30 Charmark Ct, Morehead, KY 40351 Property Records

Rowan County property record for 30 Charmark Ct, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Lot Size	0.187 acres (8,152 sqft)
Owner	2 Individual Names on File
Last Sale	$160,000 (Jun 2021)
Tax Bill	$1,339 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`011-00 00 039.11`

Property Details

APN / Parcel Number

Primary APN	`011-00 00 039.11`
Alternative APNs	`3805` `3830` `4033`

Exterior

Lot Area	8,152 sqft (0.187 acres)

Location & Zoning

Account Number	4033
Street Address	30 CHARMARK CT
City	MOREHEAD
State	KY
Zip	40351-7689
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & LOT 3B
Legal Lot Number	3B
Jurisdiction	ROWAN KY
Township / Civil Division	HILDA-TRIPLETT
Census Block Group	3
Census Block	3018
Census Tract	950100

Owner

30 Charmark Ct is owned and occupied by two individuals who bought it in June 2021.

Source: Rowan County records, as of November 18, 2025

Owner of Record	2 Individual Names on File
Mailing Address	30 CHARMARK CT, MOREHEAD, KY 40351-7689
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
Jul 28, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Jun 8, 2021	Deed, Transfer · FHA Mortgage STOCKTON MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 8, 2021 · Amount on File
Deed Sale	Jun 8, 2021 · Amount on File
Deed Document Number	20212010092
Deed Book / Page	280 / 77
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Recording Date	Jul 28, 2026
Property Address	30 CHARMARK CT, MOREHEAD, KY 40351-7689
Document Number	0002048922
Book / Page	496 / 375
Instrument Date	Jul 20, 2026
Instrument	20262048922
Transaction Type	Mortgage
Record Updated	Aug 5, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM HOLDINGS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	30 CHARMARK CT, MOREHEAD, KY 40351-7689

Mortgage

Document Number	0002048922,
Date	Jul 28, 2026
Book Page	496/375
Instrument	20262048922

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 14, 2056

Interest

Rate	6.47%
Max Rate	-1%

June 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Jun 8, 2021
Property Address	30 CHARMARK CT, MOREHEAD, KY 40351-7689
Document Number	D280/77
Book / Page	D280 / 77
Instrument Date	Jun 7, 2021
Instrument	2010092
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$160.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1513, MOREHEAD, KY 40351-5513

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	30 CHARMARK CT, MOREHEAD, KY 40351-7689

Mortgage

Document Number	2010095
Date	Jun 8, 2021
Instrument	2010095

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 30 Charmark Ct was $1,339.

Source: Rowan County assessment roll, as of November 18, 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	$1,339.00	$160,000 Land $10,000 Building $150,000	$160,000 Land $10,000 Building $150,000
2023	$1,363.00	$160,000 Land $10,000 Building $150,000	$160,000 Land $10,000 Building $150,000

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

Flood

FEMA maps place 30 Charmark Ct in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2003.

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	1 in force
Nearby Flood Claims	6 (2003–2026)
Claims Outside the SFHA	5 of 6
Most Recent Claim	May 2026 · river or lake flooding

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 30 Charmark Ct is low, with a 0.04% annual chance of wildfire.

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	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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Windstream.

Cell Coverage

5G (outdoors only) and 4G LTE

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