Rowan County property record for 285 Westcott Rd, Morehead, KY 40351
| Property Type | General Agricultural/Rural |
|---|---|
| Lot Size | 36 acres (1,572,516 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $50,000 (Jan 2008) |
| Tax Bill | $46 (2025) |
| Deeds & Mortgages | May 2025 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 007-00 00 027.03 |
| Primary APN | 007-00 00 027.03 |
|---|---|
| Alternative APNs |
|
| Lot Area | 1,572,516 sqft (36 acres) |
|---|
| Account Number | 2388 |
|---|---|
| Street Address | 285 WESTCOTT RD |
| City | MOREHEAD |
| State | KY |
| Zip | 40351-7620 |
| Property Category | Agriculture or Farming |
| Property Type | Agriculture / Farming > General Agricultural/Rural |
| Legal Description | 36.108 ACRES |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 950201 |
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 | 1008 NORWOOD AVE, ASHLAND, KY 41102-5256 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 17, 2008 · Amount on Record |
| Deed Sale | Jan 17, 2008 · Amount on Record |
| Deed Document Number | 356494 |
| Deed Book / Page | D228 / 474 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Property Address | 285 WESTCOTT RD, MOREHEAD, KY 40351-7620 |
| Transaction Type | Mortgage |
| Record Updated | Nov 18, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1008 NORWOOD AVE, ASHLAND, KY 41102-5256 |
| Document Number | 00A480/586 |
|---|---|
| Date | May 19, 2025 |
| Book Page | A480/586 |
| Instrument | 2037038 |
| Name | COMMUNITY TRUST BANK INC |
|---|---|
| Type | Bank |
| Address | PIKEVILLE, KY 41502 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 371 Months |
| Due | Apr 29, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.75% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Apr 29, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 7.75% |
| Index | 1-Year CMT |
| Max Rate | 11.7% |
Source: Rowan County assessment roll, as of April 1, 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 | $46.00 | $5,416 (-) Land $5,416 | $51,000 (-) Land $51,000 |
| 2023 | $46.00 | $5,416 Land $5,416 | $51,000 Land $51,000 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 | 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.
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 18 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Windstream DSL | 25 / 3 |
May also be available: T-Mobile.
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