3815 Clearfork N, Morehead, KY 40351 Property Records

Rowan County property record for 3815 Clearfork N, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Lot Size	2.68 acres (117,046 sqft)
Owner	2 Individual Names on File
Last Sale	$80,000 (Jul 2021)
Tax Bill	$706 (2025)
Deeds & Mortgages	Jul 2019 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`039-00 00 004.01`

Property Details

APN / Parcel Number

Primary APN	`039-00 00 004.01`
Alternative APNs	`5613` `5615` `5941`

Exterior

Lot Area	117,046 sqft (2.68 acres)

Location & Zoning

Account Number	5941
Street Address	3815 CLEARFORK N
City	MOREHEAD
State	KY
Zip	40351-8186
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2.687 AC & 2010 28X56 FLEETWOOD
Jurisdiction	ROWAN KY
Township / Civil Division	HILDA-TRIPLETT
Census Block Group	1
Census Block	1044
Census Tract	950100

Owner

3815 Clearfork N is owned and occupied by two individuals who bought it in July 2021.

Source: Rowan County records, as of November 18, 2025

Owner of Record	2 Individual Names on File
Mailing Address	3815 CLEARFORK N, MOREHEAD, KY 40351-8186
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2021 · Amount on File
Deed Sale	Jul 30, 2021 · Amount on File
Prior Sale	Jul 29, 2019 · Amount on File
Deed Document Number	20212011020
Deed Book / Page	280 / 645
Prior Transfer Date	Jul 18, 2014
Prior Transfer Doc	00D260/661
Record Updated	Jun 8, 2026

July 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Jul 29, 2019
Property Address	3815 CLEARFORK N, MOREHEAD, KY 40351-8186
Document Number	00D272/705
Book / Page	D272 / 705
Instrument Date	Jul 22, 2019
Instrument	2000650
Transaction Type	Transfer
Record Updated	Jan 4, 2022
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$87.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3815 CLEARFORK N, 3815, MOREHEAD, KY 40351-8186

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	3815 CLEARFORK N, MOREHEAD, KY 40351-8186

Mortgage

Document Number	0002000651
Date	Jul 29, 2019
Instrument	2000651

Lender

Name	STATEWIDE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3815 Clearfork N was $706.

Source: Rowan County assessment roll, as of November 18, 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	$706.00	$84,460 Land $40,000 Building $44,460	$84,460 Land $40,000 Building $44,460
2023	$719.00	$84,460 Land $40,000 Building $44,460	$84,460 Land $40,000 Building $44,460

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

Flood

FEMA maps place 3815 Clearfork N in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

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 File 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

Wildfire risk around 3815 Clearfork N is low, with a 0.04% 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	0.04% 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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Clearfork N

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