Rowan County property record for 27 Cotter Way, Morehead, KY 40351
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,304 sqft · built 2009 |
| Lot Size | 0.251 acres (10,957 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $165,000 (Jun 2023) |
| Tax Bill | $1,381 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Jul 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 019-00 00 016.12 |
| Primary APN | 019-00 00 016.12 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,304 sqft Living Area |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 10,957 sqft (0.251 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 4909 |
|---|---|
| Street Address | 27 COTTER WAY |
| City | MOREHEAD |
| State | KY |
| Zip | 40351-7224 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & LOT #12 PHASE 1 EDGEWOOD SUBDIVISION |
| Legal Subdivision | EDGEWOOD ESTATES |
| Legal Phase | 1 |
| Legal Lot Number | 12 |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 950201 |
Source: Rowan County records, as of April 20, 2026
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 | 441 MUDDY BR, WAYLAND, KY 41666-6701 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 8, 2026 | Deed of Trust, Mortgage · Conventional Mortgage U S BANK N A |
| Jul 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Jun 21, 2023 | Deed, Transfer · Conventional Mortgage BANK OF ENGLAND |
| Apr 1, 2019 | Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 21, 2023 · Amount on Record |
| Deed Sale | Jun 21, 2023 · Amount on Record |
| Prior Sale | Apr 1, 2019 · Amount on Record |
| Deed Document Number | 2023461 |
| Deed Book / Page | 288 / 213 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Recording Date | Apr 8, 2026 |
| Property Address | 27 COTTER WAY, MOREHEAD, KY 40351-7224 |
| Document Number | 0002045841 |
| Book / Page | 492 / 564 |
| Instrument Date | Mar 27, 2026 |
| Instrument | 20262045841 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Relationship | Remainderman, 286 |
| Address | 27 COTTER WAY, MOREHEAD, KY 40351-7224 |
| Document Number | 0002045841, |
|---|---|
| Date | Apr 8, 2026 |
| Book Page | 492/564 |
| Instrument | 20262045841 |
| Name | U S BANK N A |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.44% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Property Address | 27 COTTER WAY, MOREHEAD, KY 40351-7224 |
| Transaction Type | Mortgage |
| Record Updated | Nov 18, 2025 |
| Name | Verified Name |
|---|
| Document Number | 00A436/765 |
|---|---|
| Date | Jul 12, 2021 |
| Book Page | A436/765 |
| Instrument | 2010700 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 174 Months |
| Due | Jan 1, 2036 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ROWAN KY |
| Recording Date | Jun 21, 2023 |
| Property Address | 27 COTTER WAY, MOREHEAD, KY 40351-7224 |
| Document Number | 00D288/213 |
| Book / Page | D288 / 213 |
| Map Reference | CAB 2 SL 44 |
| Instrument Date | Jun 16, 2023 |
| Instrument | 2023461 |
| Transaction Type | Transfer |
| Record Updated | Nov 18, 2025 |
| Title Company | BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $165.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 54 POTTERY LN, OLIVE HILL, KY 41164-5308 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 441 MUDDY BR, WAYLAND, KY 41666-6701 |
| Document Number | 0002023464 |
|---|---|
| Date | Jun 21, 2023 |
| Instrument | 2023464 |
| Name | BANK OF ENGLAND |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ROWAN KY |
| Recording Date | Apr 1, 2019 |
| Property Address | 27 COTTER WAY, MOREHEAD, KY 40351-7224 |
| Document Number | 00D271/198 |
| Book / Page | D271 / 198 |
| Map Reference | CAB 2 SL 44 |
| Instrument Date | Mar 29, 2019 |
| Instrument | 413463 |
| Transaction Type | Transfer |
| Record Updated | Nov 18, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $135.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6765 CRANSTON RD, MOREHEAD, KY 40351-9597 |
| Name | Verified Name |
|---|---|
| Address | 27 COTTER WAY, MOREHEAD, KY 40351-7224 |
| Document Number | 0000413464 |
|---|---|
| Date | Apr 1, 2019 |
| Instrument | 413464 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2049 |
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 | $1,381.00 (+20.09%) | $165,000 (+22.22%) Land $10,000 Building $155,000 | $165,000 (+22.22%) Land $10,000 Building $155,000 |
| 2023 | $1,150.00 (-1.37%) | $135,000 (-) Land $10,000 Building $125,000 | $135,000 (-) Land $10,000 Building $125,000 |
| 2022 | $1,166.00 | $135,000 Land $10,000 Building $125,000 | $135,000 Land $10,000 Building $125,000 |
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 X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 18 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 18 in force |
| Nearby Flood Claims | 9 (2002–2015) |
| Most Recent Claim | May 2015 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · above 66% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 125 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures