400 Whispering Pines, Clearfield, KY 40313 Property Records

Rowan County property record for 400 Whispering Pines, Clearfield, KY 40313

Property Summary

Property Type	Rural Home
Details	2,795 sqft · built 1978
Lot Size	16 acres (696,960 sqft)
Owner	Individual Name on Record
Tax Bill	$787 (2025)
Deeds & Mortgages	Mar 2025 Sale
Flood Zone	Zone X (minimal risk)
APN	`081-30 00 007.00`

Property Details

APN / Parcel Number

Primary APN	`081-30 00 007.00`
Alternative APNs	`7974` `8004` `7057`

Interior

Stories	1 Story
Building Area	2,795 sqft Living Area

Exterior

Year Built	Built 1978
Exterior Material	Brick
Foundation Type	Block
Lot Area	696,960 sqft (16 acres)
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	7057
Street Address	400 WHISPERING PNES
City	CLEARFIELD
State	KY
Zip	40313-9601
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	HSE /GARAGE/BARN 2 STG BLDG & 16 A+- MAP # 081-30 00 008.00 WHISPERING PINES
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	2
Census Block	2008
Census Tract	950301

Owner

Source: Rowan County records, as of November 17, 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 Record
Co-owner	2 Co-owners on Record
Mailing Address	555 ELDRIDGE LN, MOREHEAD, KY 40351-8050
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Mar 4, 2025
Deed Sale	Mar 4, 2025
Deed Document Number	00D294/715
Deed Book / Page	D294 / 715
Record Updated	Jun 8, 2026

March 2025: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	ROWAN KY
Recording Date	Mar 4, 2025
Property Address	400 WHISPERING PNES, CLEARFIELD, KY 40313-9601
Document Number	00D294/715
Book / Page	D294 / 715
Instrument Date	Feb 27, 2025
Instrument	2035287
Transaction Type	Transfer
Record Updated	Nov 18, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	555 ELDRIDGE LN, MOREHEAD, KY 40351-8050

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	$787.00 (+92.89%)	$94,100 (-0.21%) Land $65,700 Building $28,400	$158,100 (+12.29%) Land $82,500 Building $75,600
2023	$408.00 Homeowner's exemption	$94,300 Land $71,800 Building $22,500	$140,800 Land $82,500 Building $58,300

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 19 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	2 (2015–2018)
Most Recent Claim	Sep 2018 · river or lake flooding

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	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.

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 65 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