395 Erwin Rd, Morehead, KY 40351 Property Records

Rowan County property record for 395 Erwin Rd, Morehead, KY 40351

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,344 sqft · built 1969
Lot Size	35 acres (1,524,600 sqft)
Owner	Individual Name on File
Tax Bill	$525 (2025)
Flood Zone	Zone X (minimal risk)
APN	`126-00 00 055.00`

Property Details

APN / Parcel Number

Primary APN	`126-00 00 055.00`
Alternative APNs	`1028` `908` `961`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,344 sqft Living Area
Basement Area	1,036 sqft

Exterior

Year Built	Built 1969
Construction Type	Frame
Foundation Type	Block
Lot Area	1,524,600 sqft (35 acres)
Garage Type	Basement

Location & Zoning

Account Number	1028
Street Address	395 ERWIN RD
City	MOREHEAD
State	KY
Zip	40351-9080
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	H & 35 A+- CHRISTY CREEK E-32-54
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	2
Census Block	2000
Census Tract	950400

Owner

Source: Rowan County assessment roll, as of April 1, 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	395 ERWIN RD, MOREHEAD, KY 40351-9080
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Oct 8, 2009
Transfer Doc	000D234/94
Record Updated	Jun 8, 2026

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	$525.00 (-1.87%)	$62,810 (-) Land $61,310 Building $1,500	$107,960 (-) Land $62,500 Building $45,460
2023	$535.00	$62,810 Land $61,310 Building $1,500	$107,960 Land $62,500 Building $45,460

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 15 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	2 (2010–2015)
Most Recent Claim	Apr 2015 · Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides

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	Moderate above 40% of the US · above 70% of Kentucky
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation at the parcel

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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Uniti Group DSL · Fiber in parts of the area	50 / 3
AT&T Fixed Wireless	25 / 3