Rowan County property record for 3045 Rockfork Rd, Morehead, KY 40351
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,560 sqft |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $585 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 056-00 00 010.00 |
| Primary APN | 056-00 00 010.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,560 sqft Living Area |
| Exterior Material | Other |
|---|---|
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 21,780 sqft (0.5 acres) |
| Cooling System | None |
|---|---|
| Heating System | Wood Furnace |
| Heating Fuel | Wood |
| Account Number | 7343 |
|---|---|
| Street Address | 3045 ROCKFORK RD |
| City | MOREHEAD |
| State | KY |
| Zip | 40351-9540 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | H & LOT (.5A+-) ROCK FORK ROAD |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | HILDA-TRIPLETT |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 950100 |
Source: Rowan County records, as of November 17, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 3045 ROCKFORK RD, MOREHEAD, KY 40351-9540 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Deed Document Number | 0000211642 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Recording Date | Jun 25, 2026 |
| Property Address | 3045 ROCKFORK RD, MOREHEAD, KY 40351-9540 |
| Document Number | 0002047938 |
| Book / Page | 495 / 252 |
| Instrument Date | Jun 10, 2026 |
| Instrument | 20262047938 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 3045 ROCKFORK RD, MOREHEAD, KY 40351-9540 |
| Investor | Possibly a Property Investor |
| Document Number | 0002047938, |
|---|---|
| Date | Jun 25, 2026 |
| Book Page | 495/252 |
| Instrument | 20262047938 |
| Name | COMMUNITY TRUST BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jul 1, 2046 |
| Rate | 6.36% |
|---|---|
| Max Rate | -1% |
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 | $585.00 (-1.68%) | $69,900 (-) Land $7,500 Building $62,400 | $69,900 (-) Land $7,500 Building $62,400 |
| 2023 | $595.00 | $69,900 Land $7,500 Building $62,400 | $69,900 Land $7,500 Building $62,400 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 16 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 10 (2001–2017) |
| Claims Outside the SFHA | 5 of 10 |
| Most Recent Claim | Jun 2017 · 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 | Low lower than 66% of the US · above 66% 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 2 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
No cell data coverage reported
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