324 E Main St, Morehead, KY 40351 Property Records

Rowan County property record for 324 E Main St, Morehead, KY 40351 · Last verified November 2025

Property Highlights

Property Type	Commercial > Retail
Last Sale	$180,000 (2018)
Tax Bill	$6,036.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`080-10 02 008.00`
Alternative APNs	`9011` `9063` `9544`

Exterior

Exterior Material	Wood Exterior
Construction Type	Frame Construction
Foundation Type	Block Foundation

Location & Zoning

Account Number	9544
Street Address	324 E MAIN ST
City	MOREHEAD
State	KY
Zip	40351-1622
Property Usage	Commercial Property Usage
Type	Commercial > Retail
Legal Description	OFFICE BLDG, FOUR PLEX, TRIPLEX & LOT EAST MAIN STREET
Legal Subdivision	APARTMENTS
Jurisdiction	ROWAN KY
Minor Civil Division	MOREHEAD
Census Blockgroup	1
Census Block	1024
Census Tract	950301

Owner

Source: Rowan County records · APN 080-10 02 008.00

Assessment roll updated April 1, 2025 · Last verified November 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 File
Mailing Address	PO BOX 96, MOREHEAD, KY 40351-0096
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 12, 2018 · Amount on Record
Deed Sale	Dec 12, 2018 · Amount on Record
Deed Doc Number	412204
Deed Book / Page	D270 / 209
Record Refreshed	Jun 08, 2026

December 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Dec 12, 2018
Property Address	324 E MAIN ST, MOREHEAD, KY 40351-1622
Document Number	00D270/209
Book / Page	D270 / 209
Instrument Date	Dec 10, 2018
Instrument	412204
Transaction Type	Transfer
Record Updated	Jan 04, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$180.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1194, MOREHEAD, KY 40351-5194

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 961, MOREHEAD, KY 40351-0961

Mortgage

Document Number	0000412205
Date	Dec 12, 2018
Instrument	412205

Lender

Name	KENTUCKY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Dec 10, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

Tax Assessment & Valuation

Source: Rowan County records · Assessment roll updated April 1, 2025 · Last verified November 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,036.00 (+293.74%)	$721,260 (+300.7%) Land $169,060 Building $552,200	$721,260 (+300.7%) Land $169,060 Building $552,200
2023	$1,533.00	$180,000 Land $118,000 Building $62,000	$180,000 Land $118,000 Building $62,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Rowan County (21205C), updated April 18, 2011 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Low above 20% of the US · above 37% of Kentucky
Wildfire Likelihood	About 1 in 5,000 per year
Exposure	Indirect within ember reach

Values are read at the parcel center point; lenders make the official flood determination.