Rowan County property record for 25 Armstrong Ln, Morehead, KY 40351
| Property Type | Mobile Home |
|---|---|
| Details | 1 ba · 1,120 sqft · built 1960 |
| Owner | 2 Individual Names on Record |
| Tax Bill | $847 (2025) |
| Deeds & Mortgages | Jul 2023 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 081-40 00 059.00 |
| Primary APN | 081-40 00 059.00 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,120 sqft Living Area |
| Basement Area | 1,120 sqft |
| Year Built | Built 1960 |
|---|---|
| Exterior Material | Brick |
| Construction Type | Frame |
| Foundation Type | Block |
| Garage Type | Attached |
| Cooling System | None |
|---|---|
| Heating Fuel | Gas |
| Account Number | 581 |
|---|---|
| Street Address | 25 ARMSTRONG LN |
| City | MOREHEAD |
| State | KY |
| Zip | 40351-9206 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Legal Description | HSE, 4 MH HOOKUPS& LAND AJ BLACK SB# 81-4-61 & 81-4-59.02 |
| Legal Subdivision | A J BLACK SUBDIVISION |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 950301 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 35 ARMSTRONG LN, MOREHEAD, KY 40351-9206 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Deed Document Number | 0000287751 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Property Address | 25 ARMSTRONG LN, MOREHEAD, KY 40351-9206 |
| Transaction Type | Mortgage |
| Record Updated | Nov 18, 2025 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 25 ARMSTRONG LN, MOREHEAD, KY 40351-9206 |
| Document Number | 00A461/232 |
|---|---|
| Date | Jul 14, 2023 |
| Book Page | A461/232 |
| Instrument | 2023822 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jul 10, 2043 |
Source: Rowan County assessment roll, as of April 1, 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 | $847.00 (+65.75%) | $101,300 (+68.83%) Land $17,500 Building $83,800 | $101,300 (+68.83%) Land $17,500 Building $83,800 |
| 2023 | $511.00 | $60,000 Land $10,000 Building $50,000 | $60,000 Land $10,000 Building $50,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective April 18, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 19 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 19 in force |
| Nearby Flood Claims | 2 (2015–2018) |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · above 67% 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.
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 52 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 |
4G LTE (outdoors only), no 5G reported
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