245 Ridgeway Dr, Morehead, KY 40351 Property Records

Rowan County property record for 245 Ridgeway Dr, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,612 sqft
Lot Size	1.25 acres (54,450 sqft)
Owner	2 Individual Names on Record
Last Sale	$235,000 (Mar 2026)
Tax Bill	$1,590 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`022-00 00 020.18`

Property Details

APN / Parcel Number

Primary APN	`022-00 00 020.18`
Alternative APNs	`10186` `10256` `10787`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,612 sqft Living Area
Basement Area	1,600 sqft
Unfinished Basement	1,600 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	54,450 sqft (1.25 acres)
Garage Area	682 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Oil
Heating Fuel	Electric

Location & Zoning

Account Number	10787
Street Address	245 RIDGEWAY DR
City	MOREHEAD
State	KY
Zip	40351-8930
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 50 & 51 & HOUSE GARAGE 22-20.19 LAKEWOOD ACRES
Legal Subdivision	LAKEWOOD ACRES
Legal Lot Number	50-51
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	3
Census Block	3005
Census Tract	950302

Owner

Source: Rowan County records, as of March 24, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	245 RIDGEWAY DR, MOREHEAD, KY 40351-8930
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 12, 2026 · Amount on Record
Deed Sale	Mar 12, 2026 · Amount on Record
Deed Document Number	20262045098
Deed Book / Page	298 / 892
Record Updated	Jun 8, 2026

March 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Mar 12, 2026
Property Address	245 RIDGEWAY DR, MOREHEAD, KY 40351-8930
Document Number	00D298/892
Book / Page	D298 / 892
Map Reference	CAB 1 SL 406
Instrument Date	Mar 6, 2026
Instrument	2045098
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	FOUNDATION TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$235.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	120 BEAR CEMETARY RD, OLIVE HILL, KY 41164-4077

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	245 RIDGEWAY DR, MOREHEAD, KY 40351-8930

Mortgage

Document Number	00A491/189
Date	Mar 12, 2026
Book Page	A491/189
Instrument	2045099

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2041

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	$1,590.00 (+30.01%)	$190,000 (-) Land $20,000 Building $170,000	$190,000 (-) Land $20,000 Building $170,000
2023	$1,223.00 Homeowner's exemption	$190,000 Land $20,000 Building $170,000	$190,000 Land $20,000 Building $170,000

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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (2018)
Most Recent Claim	Sep 2018 · river or lake flooding

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	0.05% 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	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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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