Rowan County property record for 3185 Lower Oak Grove Rd, Morehead, KY 40351
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 1 ba · 1,200 sqft · built 1978 |
| Lot Size | 47.6 acres (2,074,109 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $446 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 141-00 00 004.00 |
| Primary APN | 141-00 00 004.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,200 sqft Living Area |
| Year Built | Built 1978 |
|---|---|
| Exterior Material | Other |
| Foundation Type | Block |
| Lot Area | 2,074,109 sqft (47.6 acres) |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 3735 |
|---|---|
| Street Address | 3185 LOWER OAK GROVE RD |
| City | MOREHEAD |
| State | KY |
| Zip | 40351-8533 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | 47.615 AC & HOUSE & BLDG |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 2 |
| Census Block | 2039 |
| Census Tract | 950400 |
3185 Lower Oak Grove Rd, a rural home, is owned and occupied by an individual.
Source: Rowan County records, as of November 17, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3185 LOWER OAK GROVE RD, MOREHEAD, KY 40351-8533 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Recording Date | Sep 10, 2026 |
| Property Address | 3185 LOWER OAK GROVE RD, MOREHEAD, KY 40351-8533 |
| Document Number | 0002050163 |
| Book / Page | 498 / 21 |
| Instrument Date | Aug 13, 2026 |
| Instrument | 20262050163 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2026 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 3185 LOWER OAK GROVE RD, MOREHEAD, KY 40351-8533 |
| Document Number | 0002050163, |
|---|---|
| Date | Sep 10, 2026 |
| Book Page | 498/21 |
| Instrument | 20262050163 |
| Name | US BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Aug 22, 2041 |
| Max Rate | -1% |
|---|
The 2025 property tax bill for 3185 Lower Oak Grove Rd was $446 with a homeowner's exemption.
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 | $446.00 Homeowner's exemption | $102,362 Land $102,362 | $147,645 Land $69,000 Building $78,645 |
| 2023 | $478.00 Homeowner's exemption | $102,362 Land $102,362 | $147,645 Land $69,000 Building $78,645 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3185 Lower Oak Grove Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2010.
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 15 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 2 (2010–2015) |
| Most Recent Claim | Apr 2015 · Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides |
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 risk around 3185 Lower Oak Grove Rd is moderate, ranking above 43% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 43% of the US · above 73% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.08% 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) |
|---|---|
| Starlink Satellite | 280 / 30 |
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