25 Dawn Dr, Morehead, KY 40351 Property Records

Rowan County property record for 25 Dawn Dr, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Details	1,288 sqft · built 2002
Lot Size	0.545 acres (23,748 sqft)
Owner	Individual Name on Record
Last Sale	$215,000 (Sep 2026)
Tax Bill	$1,460 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Sep 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`028-00 00 022.14`

Property Details

APN / Parcel Number

Primary APN	`028-00 00 022.14`
Alternative APNs	`2910` `2949` `3101`

Interior

Stories	1 Story
Building Area	1,288 sqft Living Area

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Brick
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	23,748 sqft (0.545 acres)

Location & Zoning

Account Number	3101
Street Address	25 DAWN DR
City	MOREHEAD
State	KY
Zip	40351-8385
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & LOT #4 & #5- DAWN DR MAP 28-22.15
Legal Subdivision	BIG WOODS SUB
Legal Lot Number	4-5
Jurisdiction	ROWAN KY
Township / Civil Division	HILDA-TRIPLETT
Census Block Group	2
Census Block	2001
Census Tract	950100

Owner

Source: Rowan County records, as of October 1, 2026

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	25 DAWN DR, MOREHEAD, KY 40351-8385
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2026	Deed, Transfer · FHA Mortgage PRINCIPAL LENDING INC
Sep 22, 2026	Deed of Trust, Mortgage · FHA Mortgage PRINCIPAL LENDING INC
Oct 16, 2018	Deed of Trust, Mortgage · VA Mortgage KENTUCKY BANK
Nov 30, 2020	Deed, Transfer · Conventional Mortgage BANK OF ENGLAND
Jun 28, 2019	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2026 · Amount on Record
Deed Sale	Sep 22, 2026 · Amount on Record
Prior Sale	Nov 30, 2020 · Amount on Record
Deed Document Number	20262050735
Deed Book / Page	301 / 298
Prior Transfer Date	Jun 14, 2019
Prior Transfer Doc	00D272/358
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Sep 22, 2026
Property Address	25 DAWN DR, MOREHEAD, KY 40351-8385
Document Number	0002050735
Book / Page	301 / 298
Instrument Date	Sep 14, 2026
Instrument	20262050735
Transaction Type	Transfer
Record Updated	Oct 1, 2026
Title Company	PRECISE TITLE INC, PRECISE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$21,715.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 DAWN DR, MOREHEAD, KY 40351-8385

Mortgage

Document Number	0002050736,
Date	Sep 22, 2026
Instrument	20262050736

Lender

Name	PRINCIPAL LENDING INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Recording Date	Sep 22, 2026
Property Address	25 DAWN DR, MOREHEAD, KY 40351-8385
Document Number	0002050736
Book / Page	498 / 553
Instrument Date	Sep 14, 2026
Instrument	20262050736
Transaction Type	Mortgage
Record Updated	Sep 30, 2026
Title Company	PRECISE TITLE INC, PRECISE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 DAWN DR, MOREHEAD, KY 40351-8385

Mortgage

Document Number	0002050736,
Date	Sep 22, 2026
Book Page	498/553
Instrument	20262050736

Lender

Name	PRINCIPAL LENDING INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	25 DAWN DR, MOREHEAD, KY 40351-8385
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A399/306
Date	Oct 16, 2018
Book Page	A399/306
Instrument	411614

Lender

Name	KENTUCKY BANK
Type	Bank
Address	PARIS, KY 40362

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

November 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Nov 30, 2020
Property Address	25 DAWN DR, MOREHEAD, KY 40351-8385
Document Number	00D277/731
Book / Page	D277 / 731
Instrument Date	Nov 23, 2020
Instrument	2007403
Transaction Type	Transfer
Record Updated	Jan 4, 2022
Title Company	BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$174.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1000 ANDY WHITE BR, 1000, MOREHEAD, KY 40351-9451

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 DAWN DR, MOREHEAD, KY 40351-8385

Mortgage

Document Number	0002007404
Date	Nov 30, 2020
Instrument	2007404

Lender

Name	BANK OF ENGLAND
Type	Bank

Agreement

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

Mortgage

Document Number	00A427/102
Date	Nov 30, 2020
Book Page	A427/102
Instrument	2007405

Lender

Name	LEXINGTON-FAYETTE URBAN COUNTY GOV
Type	Government Agency
Address	FRANKFORT, KY 40601

Agreement

Type	Line of Credit
Amount	Amount Recorded

June 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ROWAN KY
Recording Date	Jun 28, 2019
Property Address	25 DAWN DR, MOREHEAD, KY 40351-8385
Document Number	00D272/358
Book / Page	D272 / 358
Map Reference	CAB 1 SL 610
Instrument Date	Jun 14, 2019
Instrument	414689
Transaction Type	Transfer
Record Updated	Jan 4, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 DAWN DR, MOREHEAD, KY 40351-8385

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	$1,460.00 (-1.75%)	$174,500 (-) Land $20,000 Building $154,500	$174,500 (-) Land $20,000 Building $154,500
2023	$1,486.00	$174,500 Land $20,000 Building $154,500	$174,500 Land $20,000 Building $154,500

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	1 in force
Nearby Flood Claims	2 (2010)
Most Recent Claim	May 2010 · Severe Storms, Flooding, Mudslides, And Tornadoes
Claims by Event	Severe Storms, Flooding, Mudslides, And Tornadoes, May 2010 · 2 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	Low lower than 63% 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.

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 24 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

Cell Coverage

5G (outdoors only) and 4G LTE

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