Rowan County property record for 321 Fox Den Dr, Morehead, KY 40351
| Property Type | Rural Home |
|---|---|
| Details | 2,336 sqft · built 2003 |
| Lot Size | 11.2 acres (488,743 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $995 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Mar 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 144-00 00 061.13 |
| Primary APN | 144-00 00 061.13 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,336 sqft Living Area |
| Year Built | Built 2003 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 488,743 sqft (11.2 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 5430 |
|---|---|
| Street Address | 321 FOX DEN DR |
| City | MOREHEAD |
| State | KY |
| Zip | 40351-9316 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | 11.22 ACRES & HSE DITNEY MEADOWS/FOX DEN DRIVE |
| Legal Subdivision | DITNEY MEADOWS EST |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 950400 |
Source: Rowan County records, as of November 17, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 321 FOX DEN DR, MOREHEAD, KY 40351-9316 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 15, 2026 | Deed of Trust, Mortgage · Conventional Mortgage COMMONWEALTH CREDIT UNION |
| Mar 25, 2022 | Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF GRAYSON |
| Jun 25, 2021 | Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF GRAYSON |
| Deed Names | 2 Names on Deed |
|---|---|
| Deed Document Number | 0000207279 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Recording Date | May 15, 2026 |
| Property Address | 321 FOX DEN DR, MOREHEAD, KY 40351-9316 |
| Document Number | 0002046899 |
| Book / Page | 493 / 815 |
| Instrument Date | May 5, 2026 |
| Instrument | 20262046899 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | CLEAR TITLE |
| Name | Verified Name |
|---|---|
| Address | 321 FOX DEN DR, MOREHEAD, KY 40351-9316 |
| Document Number | 0002046899, |
|---|---|
| Date | May 15, 2026 |
| Book Page | 493/815 |
| Instrument | 20262046899 |
| Name | COMMONWEALTH CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Property Address | 321 FOX DEN DR, MOREHEAD, KY 40351-9316 |
| Transaction Type | Mortgage |
| Record Updated | Apr 7, 2022 |
| Name | Verified Name |
|---|---|
| Address | 321 FOX DEN DR, MOREHEAD, KY 40351-9316 |
| Document Number | 000A447/74 |
|---|---|
| Date | Mar 25, 2022 |
| Book Page | A447/74 |
| Instrument | 2015714 |
| Name | FIRST NATIONAL BANK OF GRAYSON |
|---|---|
| Type | Bank |
| Address | WEST LIBERTY, KY 41472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 22, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Property Address | 321 FOX DEN DR, MOREHEAD, KY 40351-9316 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2021 |
| Name | Verified Name |
|---|
| Document Number | A436/128 |
|---|---|
| Date | Jun 25, 2021 |
| Book Page | A436/128 |
| Instrument | 2010406 |
| Name | FIRST NATIONAL BANK OF GRAYSON |
|---|---|
| Type | Bank |
| Address | WEST LIBERTY, KY 41472 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Jul 1, 2046 |
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 | $995.00 (-3.96%) Disabled Person's exemption | $168,000 (-) Land $141,500 Building $26,500 | $224,000 (-) Land $72,000 Building $152,000 |
| 2023 | $1,036.00 Disabled Person's exemption | $168,000 Land $141,500 Building $26,500 | $224,000 Land $72,000 Building $152,000 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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 | 0.07% 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 14 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Windstream DSL | 25 / 3 |
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