244 Cecil Dr, Morehead, KY 40351 Property Records

Rowan County property record for 244 Cecil Dr, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,612 sqft
Owner	Individual Name on Record
Last Sale	$230,000 (Dec 2025)
Tax Bill	$1,430 (2025)
Deeds & Mortgages	Sep 2021 Second Mortgage Dec 2025 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`080-20 03 022.00`

Property Details

APN / Parcel Number

Primary APN	`080-20 03 022.00`
Alternative APNs	`3700` `3722` `3912`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,612 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Brick
Foundation Type	Block
Roof Material	Composition Shingle
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	3912
Street Address	244 CECIL DR
City	MOREHEAD
State	KY
Zip	40351-1112
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HSE & LOTS CECIL DRIVE
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	4
Census Block	4023
Census Tract	950202

Owner

Source: Rowan County records, as of December 29, 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	244 CECIL DR, MOREHEAD, KY 40351-1112
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage UNIVERSITY OF KENTUCKY FCU
Dec 8, 2025	Deed, Transfer · Conventional Mortgage LOWER LLC
Mar 12, 2020	Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK NA
Aug 1, 2017	Deed, Transfer ATTORNEY ONLY, ATTORNEY
Feb 9, 2017	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2025 · Amount on Record
Deed Sale	Dec 8, 2025 · Amount on Record
Prior Sale	Mar 12, 2020 · Amount on Record
Deed Document Number	2042622
Deed Book / Page	D298 / 39
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	244 CECIL DR, MOREHEAD, KY 40351-1112
Transaction Type	Mortgage
Record Updated	Dec 30, 2025
Title Company	HIGH STREET TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00A440/103
Date	Sep 21, 2021
Book Page	A440/103
Instrument	2012219

Lender

Name	UNIVERSITY OF KENTUCKY FCU
Type	Credit Union
Address	LEXINGTON, KY 40509

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2036

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Dec 8, 2025
Property Address	244 CECIL DR, MOREHEAD, KY 40351-1112
Document Number	000D298/39
Book / Page	D298 / 39
Instrument Date	Dec 5, 2025
Instrument	2042622
Transaction Type	Transfer
Record Updated	Dec 30, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$230.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	244 CECIL DR, MOREHEAD, KY 40351-1112

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	244 CECIL DR, MOREHEAD, KY 40351-1112

Mortgage

Document Number	0002042623
Date	Dec 8, 2025
Instrument	2042623

Lender

Name	LOWER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

March 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Mar 12, 2020
Property Address	244 CECIL DR, MOREHEAD, KY 40351-1112
Document Number	00D275/159
Book / Page	D275 / 159
Instrument Date	Mar 6, 2020
Instrument	2004182
Transaction Type	Transfer
Record Updated	Jan 4, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$140.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	244 BENTLEY DAY RD, 244, MOREHEAD, KY 40351-8776

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	244 CECIL DR, MOREHEAD, KY 40351-1112

Mortgage

Document Number	0002004183
Date	Mar 12, 2020
Instrument	2004183

Lender

Name	FIFTH THIRD BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

August 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Aug 1, 2017
Property Address	244 CECIL DR, MOREHEAD, KY 40351-1112
Document Number	00D264/797
Book / Page	D264 / 797
Instrument Date	Jul 28, 2017
Instrument	405982
Transaction Type	Transfer
Record Updated	Jan 4, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$120.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	244 CECIL DR, 244, MOREHEAD, KY 40351-1112

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	277 BENTLEY DAY RD, MOREHEAD, KY 40351-8776

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN KY
Recording Date	Feb 9, 2017
Property Address	244 CECIL DR, MOREHEAD, KY 40351-1112
Document Number	00D262/645
Book / Page	D262 / 645
Instrument Date	Jan 31, 2017
Instrument	403806
Transaction Type	Transfer
Record Updated	Jan 4, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$122.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	334 CROSS CREEK RD, 334, MOREHEAD, KY 40351-8176

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	244 CECIL DR, MOREHEAD, KY 40351-1112

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,430.00 (+19.97%)	$170,900 (+22.07%) Land $30,000 Building $140,900	$170,900 (+22.07%) Land $30,000 Building $140,900
2023	$1,192.00	$140,000 Land $20,000 Building $120,000	$140,000 Land $20,000 Building $120,000

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
Nearby Flood Policies	2 in force

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	0.02% annual chance
Exposure	Indirect within ember reach

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	MOREHEAD UTILITY PLANT BOARD serves 9,052 people · EPA ID KY1030292
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Dec 2019
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 305 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 · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Networx Technologies.

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