Rowan County property record for 2472 McBrayer Rd, Morehead, KY 40351
| Property Type | Rural Home |
|---|---|
| Details | 2 bd · 1 ba · 1,444 sqft |
| Lot Size | 12.8 acres (561,053 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $65,000 (May 2015) |
| Tax Bill | $2,169 (2025) |
| Deeds & Mortgages | Jan 2021 Line of Credit Mar 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 064-00 00 003.01 |
| Primary APN | 064-00 00 003.01 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,444 sqft Living Area |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Lot Area | 561,053 sqft (12.8 acres) |
| Cooling System | None |
|---|---|
| Heating System | Wood Furnace |
| Heating Fuel | Wood |
| Account Number | 5596 |
|---|---|
| Street Address | 2472 MCBRAYER RD |
| City | MOREHEAD |
| State | KY |
| Zip | 40351 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | HSE, DET GARAGE, BARNS & 12.88 ACRES MCBRAYER ROAD |
| Legal Subdivision | GREENFIELD ESTATES UN 2 |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 950302 |
2472 McBrayer Rd, a rural home, is owned and occupied by two individuals who bought it in May 2015.
Source: Rowan County records, as of September 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2472 MCBRAYER RD, CLEARFIELD, KY 40313-9072 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 6, 2021 | Deed of Trust, Mortgage · Line of Credit KENTUCKY BANK |
| Mar 6, 2020 | Deed of Trust, Mortgage · Conventional Mortgage KENTUCKY BANK |
| Sep 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage KENTUCKY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 27, 2015 · Amount on File |
| Deed Sale | May 27, 2015 · Amount on File |
| Deed Document Number | 2015392583 |
| Deed Book / Page | 256 / 51 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Property Address | 2472 MCBRAYER RD, MOREHEAD, KY 40351 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2023 |
| Name | Verified Name |
|---|
| Document Number | 00A428/706 |
|---|---|
| Date | Jan 6, 2021 |
| Book Page | A428/706 |
| Instrument | 2007838 |
| Name | KENTUCKY BANK |
|---|---|
| Type | Bank |
| Address | MOREHEAD, KY 40351 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 239 Months |
| Due | Dec 11, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Property Address | 2472 MCBRAYER RD, MOREHEAD, KY 40351 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 00A415/524 |
|---|---|
| Date | Mar 6, 2020 |
| Book Page | A415/524 |
| Instrument | 2004107 |
| Name | KENTUCKY BANK |
|---|---|
| Type | Bank |
| Address | PARIS, KY 40362 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Property Address | 2472 MCBRAYER RD, MOREHEAD, KY 40351 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 00A424/197 |
|---|---|
| Date | Sep 23, 2020 |
| Book Page | A424/197 |
| Instrument | 2006603 |
| Name | KENTUCKY BANK |
|---|---|
| Type | Bank |
| Address | PARIS, KY 40362 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
The 2025 property tax bill for 2472 McBrayer Rd was $2,169.
Source: Rowan County assessment roll, as of November 18, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Rowan County |
| Unified School District | Rowan County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,169.00 | $259,198 Land $219,198 Building $40,000 | $298,180 Land $51,580 Building $246,600 |
| 2023 | $1,910.00 | $224,198 Land $219,198 Building $5,000 | $263,180 Land $51,580 Building $211,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2472 McBrayer Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.
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 risk around 2472 McBrayer Rd is low, with a 0.04% annual chance of 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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 |
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