Rowan County property record for 400 Fraley Dr, Morehead, KY 40351
| Property Type | Commercial |
|---|---|
| Lot Size | 3.65 acres (159,081 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $200,000 (Oct 2012) |
| Tax Bill | $9,577 (2025) |
| Deeds & Mortgages | Mar 2024 Line of Credit Mar 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 045-30 00 006.00 |
| Primary APN | 045-30 00 006.00 |
|---|---|
| Alternative APNs |
|
| Exterior Material | Brick Veneer |
|---|---|
| Construction Type | Masonry / Concrete Block |
| Roof Type | Mansard |
| Lot Area | 159,081 sqft (3.65 acres) |
| Heating Fuel | Gas |
|---|
| Account Number | 8301 |
|---|---|
| Street Address | 400 FRALEY DR |
| City | MOREHEAD |
| State | KY |
| Zip | 40351-8877 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | BLDG & APX 5.5 AC+- KY 32 MAP 45-30-7 DB 139/302 |
| Legal Subdivision | HIDDEN VALLEY SUBDIVISION |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 950202 |
Source: Rowan County records, as of November 18, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | PO BOX 388, MOREHEAD, KY 40351-0388 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Mar 22, 2024 | Deed of Trust, Mortgage · Line of Credit COLUMBIA STATE BANK |
| Mar 3, 2021 | Affidavit, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 2, 2012 · Amount on Record |
| Deed Sale | Oct 2, 2012 · Amount on Record |
| Deed Document Number | 2012379821 |
| Deed Book / Page | 245 / 551 |
| Last Transfer Date | Sep 21, 2020 |
| Transfer Doc | 00D278/748 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Property Address | 400 FRALEY DR, MOREHEAD, KY 40351-8877 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2024 |
| Name | Verified Name |
|---|
| Document Number | 00A468/355 |
|---|---|
| Date | Mar 22, 2024 |
| Book Page | A468/355 |
| Instrument | 2028863 |
| Name | COLUMBIA STATE BANK |
|---|---|
| Type | Bank |
| Address | MOREHEAD, KY 40351 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Apr 1, 2044 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Affidavit |
|---|---|
| Jurisdiction | ROWAN KY |
| Recording Date | Mar 3, 2021 |
| Property Address | 400 FRALEY DR, MOREHEAD, KY 40351-8877 |
| Document Number | 00D278/748 |
| Book / Page | D278 / 748 |
| Instrument Date | Sep 21, 2020 |
| Instrument | 2008449 |
| Transaction Type | Transfer |
| Record Updated | Jan 4, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
Source: Rowan County assessment roll, as of November 18, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Rowan County |
| Municipality | Morehead City |
| Unified School District | Rowan County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,577.00 (+60.02%) | $1,144,230 (+62.88%) Land $769,230 Building $375,000 | $1,144,230 (+62.88%) Land $769,230 Building $375,000 |
| 2023 | $5,985.00 | $702,500 Land $327,500 Building $375,000 | $702,500 Land $327,500 Building $375,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective April 18, 2011
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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 | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | MOREHEAD UTILITY PLANT BOARD serves 9,052 people · EPA ID KY1030292 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2024 |
| Lead | Under 1 ppb (2026) action level 15 ppb |
| Water Quality | Turbidity resolved · Dec 2019 |
|---|---|
| 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 54 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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