265 Buffalo Br, Morehead, KY 40351 Property Records

Rowan County property record for 265 Buffalo Br, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,440 sqft · built 1974
Owner	Individual Name on File
Last Sale	$115,000 (Feb 2021)
Tax Bill	$1,030 (2025)
Deeds & Mortgages	Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`123-40 00 016.00`

Property Details

APN / Parcel Number

Primary APN	`123-40 00 016.00`
Alternative APNs	`3196` `3228` `3402`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,440 sqft Living Area

Exterior

Year Built	Built 1974
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Oil
Heating Fuel	Electric

Location & Zoning

Account Number	3402
Street Address	265 BUFFALO BR
City	MOREHEAD
State	KY
Zip	40351-9057
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE GARAGE & LOTS 4-5-6 BUFFALO BRANCH
Legal Lot Number	4-6
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	1
Census Block	1031
Census Tract	950400

Owner

265 Buffalo Br is owned and occupied by an individual who bought it in February 2021.

Source: Rowan County records, as of November 17, 2025

Owner of Record	Individual Name on File
Mailing Address	265 BUFFALO BR, MOREHEAD, KY 40351-9057
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 24, 2021 · Amount on File
Deed Sale	Feb 24, 2021 · Amount on File
Deed Document Number	2008335
Deed Book / Page	D278 / 665
Record Updated	Jun 8, 2026

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Feb 24, 2021
Property Address	265 BUFFALO BR, MOREHEAD, KY 40351-9057
Document Number	00D278/665
Book / Page	D278 / 665
Map Reference	MB 2 PG 59
Instrument Date	Feb 22, 2021
Instrument	2008335
Transaction Type	Transfer
Record Updated	Jan 4, 2022
Title Company	PREMIER TITLE COMPANY, PREMIER TITLOE SERVICES LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$115.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	265 BUFFALO BR, 265, MOREHEAD, KY 40351-9057

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	380 AIRPORT RD TRLR 13, 13, MOREHEAD, KY 40351-7299

Mortgage

Document Number	0002008336
Date	Feb 24, 2021
Instrument	2008336

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 265 Buffalo Br was $1,030.

Source: Rowan County assessment roll, as of April 1, 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	$1,030.00	$123,100 Land $15,000 Building $108,100	$123,100 Land $15,000 Building $108,100
2023	$979.00	$115,000 Land $14,000 Building $101,000	$115,000 Land $14,000 Building $101,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 265 Buffalo Br in Zone X, an area of minimal flood risk, within 100 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 10 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	22 (2010–2024)
Claims Outside the SFHA	1 of 22
Most Recent Claim	Sep 2024 · Remnants Of Hurricane Helene
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, Flooding, Landslides, And Mudslide, Jul 2015 · 5 claims Severe Storms, Flooding, Mudslides, And Tornadoes, May 2010 · 3 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

Wildfire risk around 265 Buffalo Br is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · above 70% 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 20 locations within half a mile, as of December 31, 2025

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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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