2281 McBrayer Rd, Clearfield, KY 40313 Property Records

Rowan County property record for 2281 McBrayer Rd, Clearfield, KY 40313

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,488 sqft · built 1988
Owner	Individual Name on Record
Last Sale	$335,000 (May 2024)
Tax Bill	$2,803 (2025)
Deeds & Mortgages	Feb 2019 Line of Credit Mar 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`064-00 00 011.00`

Property Details

APN / Parcel Number

Primary APN	`064-00 00 011.00`
Alternative APNs	`10886` `10934` `1882`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,488 sqft Living Area
Basement Area	1,488 sqft

Exterior

Year Built	Built 1988
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1882
Street Address	2281 MCBRAYER RD
City	CLEARFIELD
State	KY
Zip	40313-9600
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HSE & LOT #3 BLOCK A PACK EST
Legal Subdivision	PACK ESTATES
Legal Block	A
Legal Lot Number	3
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	2
Census Block	2015
Census Tract	950302

Owner

Source: Rowan County records, as of November 17, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	2281 MCBRAYER RD, CLEARFIELD, KY 40313-9600
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2019	Deed of Trust, Mortgage · Line of Credit MOREHEAD COMMUNITY FCU
Mar 25, 2021	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2024 · Amount on Record
Deed Sale	May 31, 2024 · Amount on Record
Prior Sale	Mar 25, 2021 · Amount on Record
Deed Document Number	2030206
Deed Book / Page	D291 / 837
Record Updated	Jun 8, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	2281 MCBRAYER RD, CLEARFIELD, KY 40313-9600
Transaction Type	Mortgage
Record Updated	Apr 30, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A402/390
Date	Feb 8, 2019
Book Page	A402/390
Instrument	412767

Lender

Name	MOREHEAD COMMUNITY FCU
Type	Credit Union
Address	MOREHEAD, KY 40351

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Feb 7, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Mar 25, 2021
Property Address	2281 MCBRAYER RD, CLEARFIELD, KY 40313-9600
Document Number	00D279/225
Book / Page	D279 / 225
Map Reference	M,B 3 PG 7
Instrument Date	Mar 24, 2021
Instrument	2008772
Transaction Type	Transfer
Record Updated	Feb 21, 2023

Transaction

Amount	Amount Recorded
Tax	$235.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2281 MCBRAYER RD, CLEARFIELD, KY 40313-9600

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2281 MCBRAYER RD, CLEARFIELD, KY 40313-9600

Tax Assessment & Valuation

Source: Rowan County assessment roll, as of April 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Rowan County
Unified School District	Rowan County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,803.00 (+40.01%)	$335,000 (+42.55%) Land $15,000 Building $320,000	$335,000 (+42.55%) Land $15,000 Building $320,000
2023	$2,002.00	$235,000 Land $15,000 Building $220,000	$235,000 Land $15,000 Building $220,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective April 18, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	1 (2010)
Most Recent Claim	May 2010 · Severe Storms, Flooding, Mudslides, And Tornadoes

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ROWAN WATER INC private · serves 18,765 people · EPA ID KY1030375
Water Source	Purchased surface water from MOREHEAD UTILITY PLANT BOARD
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2023
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 75 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on McBrayer Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures