315 Buffalo Br, Morehead, KY 40351 Property Records

Rowan County property record for 315 Buffalo Br, Morehead, KY 40351

Property Summary

Property Type	Mobile Home
Details	1 ba · 1,120 sqft · built 1994
Lot Size	0.025 acres (1,120 sqft)
Owner	2 Individual Names on Record
Last Sale	$12,000 (Oct 2007)
Deeds & Mortgages	May 2026 Mortgage Nov 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`123-40 00 017.00`

Property Details

APN / Parcel Number

Primary APN	`123-40 00 017.00`

Interior

Full Baths	1 Bath
Building Area	1,120 sqft Living Area

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Mobile Home
Lot Area	1,120 sqft (0.025 acres)
Lot Dimensions	70 ft deep x 16 ft wide

Location & Zoning

Street Address	315 BUFFALO BR
City	MOREHEAD
State	KY
Zip	40351-7847
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	LOT & 1994 16X70MH AND MH HOOKUP BUFFALO RD
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	1
Census Block	1031
Census Tract	950400

Owner

Source: Rowan County records, as of June 9, 2026

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	2 Individual Names on Record
Mailing Address	PO BOX 697, MOREHEAD, KY 40351-0697
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage WHITAKER BANK INC
Nov 19, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2007 · Amount on Record
Deed Sale	Oct 31, 2007 · Amount on Record
Deed Document Number	2007355570
Deed Book / Page	227 / 640
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Recording Date	May 28, 2026
Property Address	315 BUFFALO BR, MOREHEAD, KY 40351-7847
Document Number	0002047122
Book / Page	494 / 206
Instrument Date	May 5, 2026
Instrument	20262047122
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 BUFFALO BR, MOREHEAD, KY 40351-7847

Mortgage

Document Number	0002047122,
Date	May 28, 2026
Book Page	494/206
Instrument	20262047122

Lender

Name	WHITAKER BANK INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 1, 2036

Interest

Rate Type	Adjustable Rate
Rate	5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ROWAN KY
Recording Date	Nov 19, 2021
Property Address	315 BUFFALO BR, MOREHEAD, KY 40351-7847
Document Number	00D282/224
Book / Page	D282 / 224
Instrument Date	Jan 22, 2021
Instrument	2013771
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Tax	$7.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 697, MOREHEAD, KY 40351-0697

Tax Assessment & Valuation

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	Homeowner's exemption	$45,180 (+211.59%) Land $12,000 Building $33,180	$45,180 (+211.59%) Land $12,000 Building $33,180
2023	Homeowner's exemption	$14,500 Land $12,000 Building $2,500	$14,500 Land $12,000 Building $2,500

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

Flood

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	22 (2010–2024)
Claims Outside the SFHA	1 of 22
Most Recent Claim	Sep 2024 · Remnants Of Hurricane Helene
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, Flooding, Landslides, And Mudslide, Jul 2015 · 5 claims Severe Storms, Flooding, Mudslides, And Tornadoes, May 2010 · 3 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

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.

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 20 locations within half a mile, as of December 31, 2025

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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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