235 Withrow Rd, Morehead, KY 40351 Property Records

Rowan County property record for 235 Withrow Rd, Morehead, KY 40351

Property Summary

Property Type	General Agricultural/Rural
Details	built 1995
Lot Size	48 acres (2,090,880 sqft)
Owner	Individual Name on Record
Last Sale	$159,900 (Oct 2021)
Tax Bill	$358 (2023)
Deeds & Mortgages	Aug 2024 Sale Oct 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`134-00 00 035.00`

Property Details

APN / Parcel Number

Primary APN	`134-00 00 035.00`
Alternative APNs	`9868` `9932`

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Mobile Home
Lot Area	2,090,880 sqft (48 acres)

Location & Zoning

Street Address	235 WITHROW RD
City	MOREHEAD
State	KY
Zip	40351-7012
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > General Agricultural/Rural
Legal Description	48 A+- & 1995 DW
Legal Subdivision	NO SUBDIVISION
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	1
Census Block	1012
Census Tract	950400

Owner

Source: Rowan County records, as of November 18, 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
Mailing Address	235 WITHROW RD, MOREHEAD, KY 40351-7012
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2024	Deed, Transfer
Oct 4, 2021	Warranty Deed, Transfer
Sep 10, 2019	Deed, Transfer · Conventional Mortgage STATEWIDE MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 4, 2021 · Amount on Record
Deed Sale	Oct 4, 2021 · Amount on Record
Prior Sale	Sep 10, 2019 · Amount on Record
Deed Document Number	20212012509
Deed Book / Page	281 / 451
Last Transfer Date	Aug 2, 2024
Transfer Doc	00D292/568
Record Updated	Jun 8, 2026

August 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Aug 2, 2024
Property Address	235 WITHROW RD, MOREHEAD, KY 40351-7012
Document Number	00D292/568
Book / Page	D292 / 568
Instrument Date	Aug 2, 2024
Instrument	2031251
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	235 WITHROW RD, MOREHEAD, KY 40351-7012

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN KY
Recording Date	Oct 4, 2021
Property Address	235 WITHROW RD, MOREHEAD, KY 40351-7012
Document Number	00A281/451
Book / Page	A281 / 451
Instrument Date	Oct 4, 2021
Instrument	2012509
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount Recorded
Tax	$100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	235 WITHROW RD, MOREHEAD, KY 40351-7012

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	235 WITHROW RD, MOREHEAD, KY 40351-7012

September 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Sep 10, 2019
Property Address	235 WITHROW RD, MOREHEAD, KY 40351-7012
Document Number	00D273/360
Book / Page	D273 / 360
Instrument Date	Sep 6, 2019
Instrument	001321
Transaction Type	Transfer
Record Updated	Jan 20, 2026
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$70.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	166 SEAGRAVES HOLW, OLIVE HILL, KY 41164-8191

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	235 WITHROW RD, MOREHEAD, KY 40351-7012

Mortgage

Document Number	0000001322
Date	Sep 10, 2019
Instrument	001322

Lender

Name	STATEWIDE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

Source: Rowan County assessment roll, as of November 18, 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	Disabled Person's exemption	$46,350 (+10.23%) Land $46,350	$164,200 (+2.69%) Land $134,900 Building $29,300
2023	$358.00	$42,050 Land $42,050	$159,900 Land $134,900 Building $25,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 10 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	22 (2010–2024)
Claims Outside the SFHA	1 of 22
Most Recent Claim	Sep 2024 · Remnants Of Hurricane Helene
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, Flooding, Landslides, And Mudslide, Jul 2015 · 5 claims Severe Storms, Flooding, Mudslides, And Tornadoes, May 2010 · 3 claims

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	Moderate above 40% of the US · above 70% of Kentucky
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30
Windstream DSL	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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