Rowan County property record for 3860 Rockfork Rd, Morehead, KY 40351
| Property Type | Single Family Home |
|---|---|
| Details | 1,590 sqft |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,175 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 056-00 00 004.02 |
| Primary APN | 056-00 00 004.02 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,590 sqft Living Area |
| Basement Area | 900 sqft |
| Construction Type | Frame |
|---|---|
| Roof Material | Composition Shingle |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Account Number | 4871 |
|---|---|
| Street Address | 3860 ROCKFORK RD |
| City | MOREHEAD |
| State | KY |
| Zip | 40351-8137 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 4.95 A +- HOUSE ROCK FORK |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | HILDA-TRIPLETT |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 950100 |
3860 Rockfork Rd is owned and occupied by two individuals.
Source: Rowan County records, as of November 17, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3860 ROCKFORK RD, MOREHEAD, KY 40351-8137 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Deed Document Number | 0000170448 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 3860 Rockfork Rd was $1,175.
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 | $1,175.00 | $140,450 Land $35,000 Building $105,450 | $140,450 Land $35,000 Building $105,450 |
| 2023 | $1,196.00 | $140,450 Land $35,000 Building $105,450 | $140,450 Land $35,000 Building $105,450 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3860 Rockfork Rd in Zone X, an area of minimal flood risk, though there have been 10 flood claims nearby since 2001.
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 |
| 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 |
|
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 3860 Rockfork Rd 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 11 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Windstream DSL | 25 / 3 |
4G LTE (outdoors only), no 5G reported
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