Rowan County property record for 339 Cumberland Dr, Morehead, KY 40351
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,440 sqft · built 1997 |
| Owner | Individual Name on File |
| Last Sale | $248,000 (Jan 2016) |
| Tax Bill | $2,096 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Aug 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-00 00 056.00 |
| Primary APN | 010-00 00 056.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,440 sqft Living Area |
| Basement Area | 1,400 sqft |
| Year Built | Built 1997 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1392 |
|---|---|
| Street Address | 339 CUMBERLAND DR |
| City | MOREHEAD |
| State | KY |
| Zip | 40351-7675 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & LOT #24 CUMBERLAND DRIVE DOGWOOD |
| Legal Subdivision | DOGWOOD ESTATES |
| Legal Lot Number | 24 |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | HILDA-TRIPLETT |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 950100 |
339 Cumberland Dr is owned and occupied by an individual who bought it in January 2016.
Source: Rowan County records, as of November 17, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 339 CUMBERLAND DR, MOREHEAD, KY 40351-7675 |
| 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.
| Date | Document |
|---|---|
| Dec 14, 2020 | Deed of Trust, Mortgage · VA Mortgage FIFTH THIRD BANK NA |
| Aug 20, 2019 | Deed of Trust, Mortgage · VA Mortgage STATEWIDE MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 14, 2016 · Amount on File |
| Deed Sale | Jan 14, 2016 · Amount on File |
| Deed Document Number | 396200 |
| Deed Book / Page | D258 / 584 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Property Address | 339 CUMBERLAND DR, MOREHEAD, KY 40351-7675 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | A427/661 |
|---|---|
| Date | Dec 14, 2020 |
| Book Page | A427/661 |
| Instrument | 2007561 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Oct 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Property Address | 339 CUMBERLAND DR, MOREHEAD, KY 40351-7675 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ABSOLUTE TITLE, ABSOLUTE TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | A408/688 |
|---|---|
| Date | Aug 20, 2019 |
| Book Page | A408/688 |
| Instrument | 2000991 |
| Name | STATEWIDE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | LOUISVILLE, KY 40223 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2049 |
The 2025 property tax bill for 339 Cumberland Dr was $2,096 with a disabled person's exemption.
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 | $2,096.00 Disabled Person's exemption | $299,600 Land $32,500 Building $267,100 | $299,600 Land $32,500 Building $267,100 |
| 2023 | $2,157.00 Disabled Person's exemption | $299,600 Land $32,500 Building $267,100 | $299,600 Land $32,500 Building $267,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 339 Cumberland Dr in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2003.
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 |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 6 (2003–2026) |
| Claims Outside the SFHA | 5 of 6 |
| Most Recent Claim | May 2026 · river or lake flooding |
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 339 Cumberland Dr is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · above 67% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.05% 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 72 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Windstream DSL | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures