Rowan County property record for 2520 Rockfork Rd, Morehead, KY 40351
| Property Type | Single Family Home |
|---|---|
| Details | 1,344 sqft · built 1970 |
| Lot Size | 0.78 acres (33,977 sqft) |
| Owner | Individual Name on File |
| Last Sale | $104,080 (Jul 2022) |
| Tax Bill | $910 (2025) |
| Deeds & Mortgages | Sep 2026 Sale Jul 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 074-00 00 006.00 |
| Primary APN | 074-00 00 006.00 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,344 sqft Living Area |
| Basement Area | 1,248 sqft |
| Finished Basement | 1,248 sqft |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 33,977 sqft (0.78 acres) |
| Garage Type | Attached |
| Account Number | 3643 |
|---|---|
| Street Address | 2520 ROCKFORK RD |
| City | MOREHEAD |
| State | KY |
| Zip | 40351-8946 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & LOT ROCK FORK ROAD |
| Legal Subdivision | NO SUBDIVISION |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | HILDA-TRIPLETT |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 950100 |
2520 Rockfork Rd is owned and occupied by an individual who acquired it in October 2025.
Source: Rowan County records, as of September 15, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2520 ROCKFORK RD, MOREHEAD, KY 40351-8946 |
| 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 |
|---|---|
| Sep 3, 2026 | Deed, Transfer NONE LISTED ON DOCUMENT |
| Jul 14, 2022 | Deed of Trust, Mortgage · Commercial Mortgage WHITAKER BANK INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 14, 2022 · Amount on File |
| Deed Sale | Jul 14, 2022 · Amount on File |
| Deed Document Number | 20222017809 |
| Deed Book / Page | 284 / 617 |
| Last Transfer Date | Oct 11, 2025 |
| Transfer Doc | 0002049981 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ROWAN KY |
| Recording Date | Sep 3, 2026 |
| Property Address | 2520 ROCKFORK RD, MOREHEAD, KY 40351-8946 |
| Document Number | 0002049981 |
| Book / Page | 301 / 110 |
| Instrument Date | Oct 11, 2025 |
| Instrument | 20262049981 |
| Transaction Type | Transfer |
| Record Updated | Sep 15, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2520 ROCKFORK RD, MOREHEAD, KY 40351-8946 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Property Address | 2520 ROCKFORK RD, MOREHEAD, KY 40351-8946 |
| Transaction Type | Mortgage |
| Record Updated | Jul 26, 2022 |
| Name | Verified Name |
|---|---|
| Address | 2520 ROCKFORK RD, MOREHEAD, KY 40351-8946 |
| Document Number | 00A451/328 |
|---|---|
| Date | Jul 14, 2022 |
| Book Page | A451/328 |
| Instrument | 2017810 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40555 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 83 Months |
| Due | Jun 14, 2029 |
The 2025 property tax bill for 2520 Rockfork Rd was $910.
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 | $910.00 | $108,800 Land $10,000 Building $98,800 | $108,800 Land $10,000 Building $98,800 |
| 2023 | $926.00 | $108,800 Land $10,000 Building $98,800 | $108,800 Land $10,000 Building $98,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2520 Rockfork Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 16 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 10 (2001–2017) |
| Claims Outside the SFHA | 5 of 10 |
| Most Recent Claim | Jun 2017 · river or lake flooding |
| Claims by Event |
|
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 2520 Rockfork Rd is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 94% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
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 19 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
4G LTE (outdoors only), no 5G reported
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