295 Doe Run Rd, Morehead, KY 40351 Property Records

Rowan County property record for 295 Doe Run Rd, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,240 sqft
Owner	Individual Name on File
Last Sale	$190,000 (Jul 2015)
Tax Bill	$1,590 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Nov 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`020-00 00 016.07`

Property Details

APN / Parcel Number

Primary APN	`020-00 00 016.07`
Alternative APNs	`7011` `7021` `7425`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,240 sqft Living Area

Exterior

Exterior Material	Brick
Foundation Type	Block
Roof Material	Composition Shingle

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	7425
Street Address	295 DOE RUN RD
City	MOREHEAD
State	KY
Zip	40351-8711
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE GARAGE & LOT # 33 WHISPERING OAKS
Legal Subdivision	WHISPERING OAKS
Legal Lot Number	33
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	3
Census Block	3016
Census Tract	950201

Owner

295 Doe Run Rd is owned and occupied by an individual who bought it in July 2015.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	295 DOE RUN RD, MOREHEAD, KY 40351-8711
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

Date	Document
Oct 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage KENTUCKY BANK
Nov 6, 2023	Deed of Trust, Mortgage · Line of Credit STOCK YARDS BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2015 · Amount on File
Deed Sale	Jul 8, 2015 · Amount on File
Prior Sale	Apr 13, 2009 · Amount on File
Deed Document Number	393202
Deed Book / Page	D256 / 434
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	295 DOE RUN RD, MOREHEAD, KY 40351-8711
Transaction Type	Mortgage
Record Updated	Nov 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A424/694
Date	Oct 7, 2020
Book Page	A424/694
Instrument	2006771

Lender

Name	KENTUCKY BANK
Type	Bank
Address	43622

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	295 DOE RUN RD, MOREHEAD, KY 40351-8711
Transaction Type	Mortgage
Record Updated	Nov 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	295 DOE RUN RD, MOREHEAD, KY 40351-8711

Mortgage

Document Number	00A464/742
Date	Nov 6, 2023
Book Page	A464/742
Instrument	2026262

Lender

Name	STOCK YARDS BANK & TRUST CO
Type	Bank
Address	LOUISVILLE, KY 40232

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 295 Doe Run Rd was $1,590.

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	$1,590.00	$190,000 Land $12,000 Building $178,000	$190,000 Land $12,000 Building $178,000
2023	$1,618.00	$190,000 Land $12,000 Building $178,000	$190,000 Land $12,000 Building $178,000

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

Flood

FEMA maps place 295 Doe Run Rd in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 2002.

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 File 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	Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2015 · 2 claims Severe Storms, Flooding, Mudslides, And Tornadoes, May 2010 · 4 claims Severe Storms And Flooding, Mar 2002 · 2 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 295 Doe Run Rd is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · above 67% 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 74 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

May also be available: T-Mobile.

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