320 Bridge St, Morehead, KY 40351 Property Records

Rowan County property record for 320 Bridge St, Morehead, KY 40351

Property Summary

Property Type	Commercial
Details	2,356 sqft
Lot Size	2.07 acres (90,470 sqft)
Owner	2 Company Names on Record
Tax Bill	$5,260 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Feb 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`080-00 00 020.00`

Property Details

APN / Parcel Number

Primary APN	`080-00 00 020.00`
Alternative APNs	`1818` `1862` `1968`

Interior

Stories	1 Story
Building Area	2,356 sqft Total Area

Exterior

Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	90,470 sqft (2.07 acres)
Garage Type	Attached
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Account Number	1968
Street Address	320 BRIDGE ST
City	MOREHEAD
State	KY
Zip	40351-1708
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	2 H & LAND SOUTH BRIDGE ST COM USE
Legal Subdivision	TRIPLETT CREEK
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	1
Census Block	1026
Census Tract	950301

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	574 FARMHOUSE TRL, MOREHEAD, KY 40351-6114
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2024	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Feb 15, 2017	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Feb 13, 2017
Transfer Doc	00D262/690
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	320 BRIDGE ST, MOREHEAD, KY 40351-1708
Transaction Type	Mortgage
Record Updated	May 17, 2024
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 BRIDGE ST, MOREHEAD, KY 40351-1708

Mortgage

Document Number	00A469/549
Date	Apr 24, 2024
Book Page	A469/549
Instrument	2029546

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	276 Months
Due	Apr 1, 2047

February 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ROWAN KY
Recording Date	Feb 15, 2017
Property Address	320 BRIDGE ST, MOREHEAD, KY 40351-1708
Document Number	00D262/690
Book / Page	D262 / 690
Instrument Date	Feb 13, 2017
Instrument	403883
Transaction Type	Transfer
Record Updated	Nov 27, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 BRIDGE ST, MOREHEAD, KY 40351-1708

Tax Assessment & Valuation

Source: Rowan County assessment roll, as of November 18, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Rowan County
Municipality	Morehead City
Unified School District	Rowan County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,260.00 (+17.94%)	$628,470 (+20.03%) Land $432,630 Building $195,840	$628,470 (+20.03%) Land $432,630 Building $195,840
2023	$4,460.00	$523,590 Land $327,750 Building $195,840	$523,590 Land $327,750 Building $195,840

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 94 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	94 in force
Nearby Flood Claims	39 (2002–2018)
Claims Outside the SFHA	1 of 39
Most Recent Claim	Sep 2018 · tidal / storm surge
Claims by Event	Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2015 · 14 claims Severe Storms, Tornadoes, And Flooding, Apr 2011 · 3 claims Severe Storms, Flooding, Mudslides, And Tornadoes, May 2010 · 14 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	Low lower than 66% of the US · above 66% 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 STATE UNIVERSITY state or territorial government · serves 6,500 people · EPA ID KY1030480
Water Source	Surface water
Last State Inspection	Feb 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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