Rowan County property record for 295 Starlight Ln, Morehead, KY 40351
| Property Type | Single Family Home |
|---|---|
| Details | 2,667 sqft · built 2011 |
| Lot Size | 1.05 acres (45,869 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,162 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 032-00 00 004.22 |
| Primary APN | 032-00 00 004.22 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,667 sqft Living Area |
| Basement Area | 2,197 sqft |
| Year Built | Built 2011 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Concrete |
| Roof Material | Metal |
| Lot Area | 45,869 sqft (1.05 acres) |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating Fuel | Geothermal |
| Account Number | 3959 |
|---|---|
| Street Address | 295 STARLIGHT LN |
| City | MOREHEAD |
| State | KY |
| Zip | 40351-7688 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HSE & 1.053 ACRES (LOT #5) BULLFORK |
| Legal Lot Number | 5 |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 2 |
| Census Block | 2004 |
| 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 |
|---|---|
| Mailing Address | 295 STARLIGHT LN, MOREHEAD, KY 40351-7688 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Deed Document Number | 0000224211 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Property Address | 295 STARLIGHT LN, MOREHEAD, KY 40351-7688 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | A425/801 |
|---|---|
| Date | Nov 4, 2020 |
| Book Page | A425/801 |
| Instrument | 2007104 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Sep 1, 2050 |
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 | $2,162.00 (-2.83%) Homeowner's exemption | $307,500 (-) Land $15,000 Building $292,500 | $307,500 (-) Land $15,000 Building $292,500 |
| 2023 | $2,225.00 Homeowner's exemption | $307,500 Land $15,000 Building $292,500 | $307,500 Land $15,000 Building $292,500 |
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 |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 5 in force |
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 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.04% 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 | MOREHEAD UTILITY PLANT BOARD serves 9,052 people · EPA ID KY1030292 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2024 |
| Lead | Under 1 ppb (2026) action level 15 ppb |
| Water Quality | Turbidity resolved · Dec 2019 |
|---|---|
| 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) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile, Windstream.
5G (outdoors only) and 4G LTE
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