Rowan County property record for 322 Bays Ave, Morehead, KY 40351
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,248 sqft · built 1955 |
| Owner | 2 Individual Names on File |
| Tax Bill | $362 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 080-20 06 004.00 |
| Primary APN | 080-20 06 004.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,248 sqft Living Area |
| Basement Area | 960 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Garage Type | Detached |
| Heating Fuel | Gas |
|---|
| Account Number | 11650 |
|---|---|
| Street Address | 322 BAYS AVE |
| City | MOREHEAD |
| State | KY |
| Zip | 40351-1110 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | H & LOT BAYS AVE M-3-2-25 |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 4 |
| Census Block | 4021 |
| Census Tract | 950202 |
322 Bays Ave is owned and occupied by two individuals.
Source: Rowan County records, as of November 17, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 322 BAYS AVE, MOREHEAD, KY 40351-1110 |
| 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 | 2 Names on Deed |
|---|---|
| Deed Document Number | 0000016416 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 322 Bays Ave was $362 with a homeowner's exemption.
Source: Rowan County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Rowan County |
| Municipality | Morehead City |
| Unified School District | Rowan County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $362.00 Homeowner's exemption | $92,400 Land $30,000 Building $62,400 | $92,400 Land $30,000 Building $62,400 |
| 2023 | $328.00 Homeowner's exemption | $84,900 Land $15,000 Building $69,900 | $84,900 Land $15,000 Building $69,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 322 Bays Ave in Zone X, an area of minimal flood risk.
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 |
| Nearby Flood Policies | 2 in force |
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 322 Bays Ave is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 305 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 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Networx Technologies.
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