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39 Cedar Dr, Morehead, KY 40351 Property Records

Rowan County property record for 39 Cedar Dr, Morehead, KY 40351 · Last verified January 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,808 sqft · built 1971
OwnerIndividual Name on File
Last Sale$245,000 (Aug 2025)
Tax Bill$1,632 (2025)
Deeds & MortgagesAug 2025 Sale & Mortgage
Dec 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN029-10 00 012.00

Property Details

APN / Parcel Number

Primary APN029-10 00 012.00
Alternative APNs
  • 6561
  • 6566
  • 6948

Interior

Bedrooms3 Beds
Full Baths2 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,808 sqft Living Area

Exterior

Year BuiltBuilt 1971
Architectural StyleSplit Level
Exterior MaterialBrick
Construction TypeFrame
Foundation TypeBlock
Roof MaterialComposition Shingle
Garage TypeAttached

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemOil
Heating FuelElectric

Location & Zoning

Account Number6948
Street Address39 CEDAR DR
CityMOREHEAD
StateKY
Zip40351-9184
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHOUSE & LOT 165 PINE HILL
Legal SubdivisionPINE HILLS
Legal Lot Number165
JurisdictionROWAN KY
Township / Civil DivisionHILDA-TRIPLETT
Census Block Group4
Census Block4004
Census Tract950100

Owner

Source: Rowan County records · APN 029-10 00 012.00

Assessment roll updated April 1, 2025 · Last verified January 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address39 CEDAR DR, MOREHEAD, KY 40351-9184
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 14, 2025Deed, Transfer · VA Mortgage
NAVY FCU
Dec 15, 2021Deed, Transfer · FHA Mortgage
SWBC MORTGAGE CORP

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 14, 2025 · Amount on Record
Deed SaleAug 14, 2025 · Amount on Record
Prior SaleDec 15, 2021 · Amount on Record
Deed Document Number2039783
Deed Book / PageD296 / 580
Record UpdatedJun 08, 2026

August 2025: Deed, Transfer

Document TypeDeed
JurisdictionROWAN KY
Recording DateAug 14, 2025
Property Address39 CEDAR DR, MOREHEAD, KY 40351-9184
Document Number00D296/580
Book / PageD296 / 580
Map ReferenceCAB 1 SL 131
Instrument DateAug 11, 2025
Instrument2039783
Transaction TypeTransfer
Record UpdatedJan 20, 2026
Title CompanyBLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$245.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address166 SAYRE DR, MOREHEAD, KY 40351-7087

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRight of Survivorship
Address39 CEDAR DR, MOREHEAD, KY 40351-9184

Mortgage

Document Number0002039786
DateAug 14, 2025
Instrument2039786
Lender
NameNAVY FCU
TypeCredit Union
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term181 Months
DueSep 01, 2040

December 2021: Deed, Transfer

Document TypeDeed
JurisdictionROWAN KY
Recording DateDec 15, 2021
Property Address39 CEDAR DR, MOREHEAD, KY 40351-9184
Document Number00D282/490
Book / PageD282 / 490
Map ReferenceMB 2 PG 49
Instrument DateDec 10, 2021
Instrument2014209
Transaction TypeTransfer
Record UpdatedJan 20, 2026

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$195.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address39 CEDAR DR, MOREHEAD, KY 40351-9184

Transferred To (Grantee/Buyer)

NameVerified Name
Address39 CEDAR DR, MOREHEAD, KY 40351-9184

Mortgage

Document Number0002014210
DateDec 15, 2021
Instrument2014210
Lender
NameSWBC MORTGAGE CORP
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueJan 01, 2052

Tax Assessment & Valuation

Source: Rowan County records · Assessment roll updated April 1, 2025 · Last verified January 2026

Property Jurisdictions

TypeName
StateKentucky
CountyRowan County
Unified School DistrictRowan County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$1,632.00 (-1.75%)$195,000 (-) Land $15,000 Building $180,000$195,000 (-) Land $15,000 Building $180,000
2023$1,661.00$195,000 Land $15,000 Building $180,000$195,000 Land $15,000 Building $180,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Rowan County (21205C), updated April 18, 2011 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 212059501004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 2 individual NFIP policies nearby
Community Rating SystemClass 10 (0% premium discount)
Nearby Flood Policies2 in force
1 of 2 on primary residences
Nearby Flood Claims1 (2026)
Most Recent ClaimMay 2026, river or lake flooding

Wildfire

Wildfire RiskLow
above 20% of the US · above 37% of Kentucky
Wildfire LikelihoodAbout 1 in 3,333 per year
ExposureDirect
burnable vegetation at the parcel

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.

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