Rowan County property record for 331 Bays Ave, Morehead, KY 40351 · Last verified November 2025
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,408 sqft |
| Owner | Individual Name on File |
| Last Sale | $116,000 (May 2022) |
| Tax Bill | $945 (2025) |
| Deeds & Mortgages | May 2022 Sale & Line of Credit Aug 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 080-20 05 026.01 |
| Primary APN | 080-20 05 026.01 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,408 sqft Living Area |
| Basement Area | 936 sqft |
| Exterior Material | Brick |
|---|---|
| Roof Material | Composition Shingle |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Account Number | 7461 |
|---|---|
| Street Address | 331 BAYS AVE |
| City | MOREHEAD |
| State | KY |
| Zip | 40351-1109 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | H & LOT BAYS AVE M3-3-4 |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 4 |
| Census Block | 4022 |
| Census Tract | 950202 |
Source: Rowan County records · APN 080-20 05 026.01
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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 331 BAYS AVE, MOREHEAD, KY 40351-1109 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 27, 2022 | Deed, Transfer · Line of Credit FIRST NATIONAL BANK OF GRAYSON |
| Aug 31, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK OF GRAYSON |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 27, 2022 · Amount on Record |
| Deed Sale | May 27, 2022 · Amount on Record |
| Deed Document Number | 2017081 |
| Deed Book / Page | D284 / 248 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ROWAN KY |
| Recording Date | May 27, 2022 |
| Property Address | 331 BAYS AVE, MOREHEAD, KY 40351-1109 |
| Document Number | 00D284/248 |
| Book / Page | D284 / 248 |
| Instrument Date | May 19, 2022 |
| Instrument | 2017081 |
| Transaction Type | Transfer |
| Record Updated | Jun 09, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $116.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 380 RAMEY RIDGE RD, 380, MOREHEAD, KY 40351-9774 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 331 BAYS AVE, MOREHEAD, KY 40351-1109 |
| Document Number | 0002017082 |
|---|---|
| Date | May 27, 2022 |
| Instrument | 2017082 |
| Name | FIRST NATIONAL BANK OF GRAYSON |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 19, 2042 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Property Address | 331 BAYS AVE, MOREHEAD, KY 40351-1109 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | A423/306 |
|---|---|
| Date | Aug 31, 2020 |
| Book Page | A423/306 |
| Instrument | 2006292 |
| Name | FIRST NATIONAL BANK OF GRAYSON |
|---|---|
| Type | Bank |
| Address | WEST LIBERTY, KY 41472 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Sep 01, 2035 |
Source: Rowan County records · Assessment roll updated April 1, 2025 · Last verified November 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Rowan County |
| Municipality | Morehead City |
| Unified School District | Rowan County School District (PK - 12) |
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 | $945.00 (+13.31%) | $113,000 (+15.31%) Land $30,000 Building $83,000 | $113,000 (+15.31%) Land $30,000 Building $83,000 |
| 2023 | $834.00 | $98,000 Land $15,000 Building $83,000 | $98,000 Land $15,000 Building $83,000 |
Source: FEMA National Flood Hazard Layer, Rowan County (21205C), updated April 18, 2011 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 212059502024, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearby Flood Policies | 2 in force |
| Wildfire Risk | Low above 20% of the US · above 37% of Kentucky |
|---|---|
| Wildfire Likelihood | About 1 in 9,091 per year |
| Exposure | Indirect within ember reach |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 305 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Uniti Group | Fiber | 2,000 / 2,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| AT&T | Fixed Wireless | 100 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: Uniti Group, Networx Technologies, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.
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