Rowan County property record for 3895 Bluestone Rd, Morehead, KY 40351 · Last verified November 2025
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,016 sqft |
| Owner | Individual Name on File |
| Last Sale | $58,000 (Jun 2020) |
| Tax Bill | $572 (2025) |
| Deeds & Mortgages | Jun 2020 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 045-00 00 003.00 |
| Primary APN | 045-00 00 003.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,016 sqft Living Area |
| Exterior Material | Brick |
|---|---|
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Heating Fuel | Gas |
|---|
| Account Number | 6552 |
|---|---|
| Street Address | 3895 BLUESTONE RD |
| City | MOREHEAD |
| State | KY |
| Zip | 40351-9788 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HSE & LOT BLUESTONE ROAD |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 1 |
| Census Block | 1042 |
| Census Tract | 950202 |
Source: Rowan County records · APN 045-00 00 003.00
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 | 3895 BLUESTONE RD, MOREHEAD, KY 40351-9788 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 25, 2020 · Amount on Record |
| Deed Sale | Jun 25, 2020 · Amount on Record |
| Prior Sale | Apr 21, 2009 · Amount on Record |
| Deed Document Number | 2005365 |
| Deed Book / Page | D276 / 14 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ROWAN KY |
| Recording Date | Jun 25, 2020 |
| Property Address | 3895 BLUESTONE RD, MOREHEAD, KY 40351-9788 |
| Document Number | 000D276/14 |
| Book / Page | D276 / 14 |
| Instrument Date | Jun 19, 2020 |
| Instrument | 2005365 |
| Transaction Type | Transfer |
| Record Updated | Mar 07, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $58.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0002005366 |
|---|---|
| Date | Jun 25, 2020 |
| Instrument | 2005366 |
| Name | PEOPLES BANK OF KENTUCKY INC |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 19, 2035 |
Source: Rowan County records · Assessment roll updated April 1, 2025 · Last verified November 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Rowan County |
| 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 | $572.00 (+15.79%) | $68,400 (+17.93%) Land $12,500 Building $55,900 | $68,400 (+17.93%) Land $12,500 Building $55,900 |
| 2023 | $494.00 | $58,000 Land $10,000 Building $48,000 | $58,000 Land $10,000 Building $48,000 |
Source: FEMA National Flood Hazard Layer, Rowan County (21205C), updated April 18, 2011 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 212059502021, 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 AE |
|---|---|
| Special Flood Hazard Area | Yes |
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Flood Insurance Cost | Premium on Record median of 17 individual NFIP policies nearby |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 17 in force |
| Wildfire Risk | Low above 20% of the US · above 37% of Kentucky |
|---|---|
| Wildfire Likelihood | About 1 in 4,348 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 18 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 |
May also be available at this address: Verizon, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.
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