280 Haldeman Rd, Morehead, KY 40351 Property Records

Rowan County property record for 280 Haldeman Rd, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1983
Owner	Individual Name on Record
Last Sale	$115,000 (Jan 2025)
Tax Bill	$962 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Jan 2020 Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`123-40 00 025.00`

Property Details

APN / Parcel Number

Primary APN	`123-40 00 025.00`
Alternative APNs	`2831` `2874` `4114`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	960 sqft Living Area

Exterior

Year Built	Built 1983
Exterior Material	Other
Foundation Type	Block
Roof Material	Composition Shingle

Utilities, Heating & Cooling

Heating System	Oil
Heating Fuel	Electric

Location & Zoning

Account Number	4114
Street Address	280 HALDEMAN RD
City	MOREHEAD
State	KY
Zip	40351-9008
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HSE & LOT KY 174
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	1
Census Block	1016
Census Tract	950400

Owner

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	280 HALDEMAN RD, MOREHEAD, KY 40351-9008
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2023	Deed, Transfer · Conventional Mortgage TRADITIONAL BANK INC
Jan 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
Feb 7, 2018	Deed, Transfer BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 9, 2025 · Amount on Record
Deed Sale	Jan 9, 2025 · Amount on Record
Prior Sale	Dec 5, 2023 · Amount on Record
Deed Document Number	2034142
Deed Book / Page	D294 / 301
Record Updated	Jun 8, 2026

December 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Dec 5, 2023
Property Address	280 HALDEMAN RD, MOREHEAD, KY 40351-9008
Document Number	000D290/46
Book / Page	D290 / 46
Instrument Date	Nov 30, 2023
Instrument	2026878
Transaction Type	Transfer
Record Updated	Dec 25, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$65.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 869, MOREHEAD, KY 40351-0869

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	280 HALDEMAN RD, MOREHEAD, KY 40351-9008

Mortgage

Document Number	0002026879
Date	Dec 5, 2023
Instrument	2026879

Lender

Name	TRADITIONAL BANK INC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	8.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2033
Change Frequency	Annually
Min Rate At Change	6.5%
Max Rate At Change	10.5%
Index	1-Year CMT
Max Rate	14.5%

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	280 HALDEMAN RD, MOREHEAD, KY 40351-9008
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A413/510
Date	Jan 7, 2020
Book Page	A413/510
Instrument	2003298

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2035

February 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Feb 7, 2018
Property Address	280 HALDEMAN RD, MOREHEAD, KY 40351-9008
Document Number	00D266/770
Book / Page	D266 / 770
Instrument Date	Feb 2, 2018
Instrument	408268
Transaction Type	Transfer
Record Updated	Jan 4, 2022
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$22.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6650 US HIGHWAY 60 E, 6650, MOREHEAD, KY 40351-9033

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	280 HALDEMAN RD, MOREHEAD, KY 40351-9008

Tax Assessment & Valuation

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	$962.00 (+414.44%)	$115,000 (+422.73%) Land $12,500 Building $102,500	$115,000 (+422.73%) Land $12,500 Building $102,500
2023	$187.00	$22,000 Land $7,500 Building $14,500	$22,000 Land $7,500 Building $14,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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

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 46 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Windstream DSL	100 / 20

Cell Coverage

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

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