345 Stacy Rd, Morehead, KY 40351 Property Records

Rowan County property record for 345 Stacy Rd, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Details	1,122 sqft · built 2005
Owner	Individual Name on Record
Last Sale	$170,000 (Sep 2024)
Tax Bill	$1,422 (2025)
Deeds & Mortgages	Sep 2024 Sale & Mortgage Jan 2021 Sale & Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`071-00 00 015.06`

Property Details

APN / Parcel Number

Primary APN	`071-00 00 015.06`
Alternative APNs	`10736` `7396` `7406`

Interior

Stories	1 Story
Building Area	1,122 sqft Living Area

Exterior

Year Built	Built 2005
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	10736
Street Address	345 STACY RD
City	MOREHEAD
State	KY
Zip	40351-8949
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HSE & 1.066 A KINDER BRANCH
Jurisdiction	ROWAN KY
Township / Civil Division	HILDA-TRIPLETT
Census Block Group	1
Census Block	1011
Census Tract	950100

Owner

Source: Rowan County records, as of January 19, 2026

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
Co-owner	Co-owner on Record
Mailing Address	345 STACY RD, MOREHEAD, KY 40351-8949
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2024	Deed, Transfer · Stand-Alone First Mortgage THE CITIZENS BANK
Jan 26, 2021	Deed, Transfer · Conventional Mortgage STOCKTON MORTGAGE CORP
Dec 23, 2009	Deed, Transfer · USDA Mortgage USDA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2024 · Amount on Record
Deed Sale	Sep 16, 2024 · Amount on Record
Prior Sale	Jan 26, 2021 · Amount on Record
Deed Document Number	2032138
Deed Book / Page	D293 / 170
Record Updated	Jun 8, 2026

September 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Sep 16, 2024
Property Address	345 STACY RD, MOREHEAD, KY 40351-8949
Document Number	00D293/170
Book / Page	D293 / 170
Instrument Date	Sep 12, 2024
Instrument	2032138
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$170.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	345 STACY RD, MOREHEAD, KY 40351-8949

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship

Mortgage

Document Number	0002032139
Date	Sep 16, 2024
Instrument	2032139

Lender

Name	THE CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Sep 12, 2034

January 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Jan 26, 2021
Property Address	345 STACY RD, MOREHEAD, KY 40351-8949
Document Number	00D278/423
Book / Page	D278 / 423
Instrument Date	Jan 20, 2021
Instrument	2008100
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$126.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3357 FEATHERSTON DR, LEXINGTON, KY 40515-1087

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	345 STACY RD, MOREHEAD, KY 40351-8949

Mortgage

Document Number	0002008101
Date	Jan 26, 2021
Instrument	2008101

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

December 2009: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Dec 23, 2009
Property Address	345 STACY RD, MOREHEAD, KY 40351-8949
Document Number	00D234/581
Book / Page	D234 / 581
Instrument Date	Dec 22, 2009
Instrument	366127
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$91.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	345 STACY RD, MOREHEAD, KY 40351-8949

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1525 OLD HOUSE CRK, MOREHEAD, KY 40351-9083

Mortgage

Document Number	00A298/362
Date	Dec 23, 2009
Book Page	A298/362
Instrument	366128

Lender

Name	USDA
Type	Government Agency
Address	SAINT LOUIS, MO 63166

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	396 Months
Due	Dec 22, 2042

Tax Assessment & Valuation

Source: Rowan County assessment roll, as of April 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Rowan County
Unified School District	Rowan County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,422.00 (+32.53%)	$170,000 (+34.92%) Land $12,500 Building $157,500	$170,000 (+34.92%) Land $12,500 Building $157,500
2023	$1,073.00	$126,000 Land $10,000 Building $116,000	$126,000 Land $10,000 Building $116,000

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

Flood

Source: FEMA National Flood Hazard Layer, effective April 18, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	10 (2001–2017)
Claims Outside the SFHA	5 of 10
Most Recent Claim	Jun 2017 · river or lake flooding
Claims by Event	Severe Storms, Flooding, And Mudslides, Jul 2010 · 2 claims Severe Storms, Flooding, Mud And Rock Slides, And Tornadoes, May 2003 · 2 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · above 67% of Kentucky
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	25 / 3

Cell Coverage

No cell data coverage reported

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