Rowan County property record for 401 Chaps Hill Rd, Morehead, KY 40351
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 676 sqft · built 2006 |
| Owner | Individual Name on File |
| Last Sale | $115,000 (Jan 2020) |
| Tax Bill | $962 (2025) |
| Deeds & Mortgages | Jan 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 022-00 00 056.00 |
| Primary APN | 022-00 00 056.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 676 sqft Living Area |
| Basement Area | 676 sqft |
| Year Built | Built 2006 |
|---|---|
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Material | Metal |
| Cooling System | Central |
|---|---|
| Heating System | Oil |
| Heating Fuel | Electric |
| Account Number | 5001 |
|---|---|
| Street Address | 401 CHAPS HILL RD |
| City | MOREHEAD |
| State | KY |
| Zip | 40351-7220 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HSE & LAND .99A TOTAL |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 950302 |
401 Chaps Hill Rd is owned by an individual who bought it in January 2020.
Source: Rowan County records, as of November 17, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 960 KY HIGHWAY 801 N, MOREHEAD, KY 40351-9238 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 14, 2020 · Amount on File |
| Deed Sale | Jan 14, 2020 · Amount on File |
| Prior Sale | Jun 30, 2010 · Amount on File |
| Deed Document Number | 2003418 |
| Deed Book / Page | D274 / 529 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ROWAN KY |
| Recording Date | Jan 14, 2020 |
| Property Address | 401 CHAPS HILL RD, MOREHEAD, KY 40351-7220 |
| Document Number | 00D274/529 |
| Book / Page | D274 / 529 |
| Instrument Date | Jan 10, 2020 |
| Instrument | 2003418 |
| Transaction Type | Transfer |
| Record Updated | Jan 4, 2022 |
| Title Company | BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $115.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8545 RIVER RD, 8545, HEBRON, KY 41048-7574 |
| Name | Verified Name |
|---|---|
| Address | 960 KY HIGHWAY 801 N, MOREHEAD, KY 40351-9238 |
| Document Number | 0002003420 |
|---|---|
| Date | Jan 14, 2020 |
| Instrument | 2003420 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2050 |
The 2025 property tax bill for 401 Chaps Hill Rd was $962.
Source: Rowan County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Rowan County |
| Unified School District | Rowan County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $962.00 | $115,000 Land $20,000 Building $95,000 | $115,000 Land $20,000 Building $95,000 |
| 2023 | $979.00 | $115,000 Land $20,000 Building $95,000 | $115,000 Land $20,000 Building $95,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 401 Chaps Hill Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.
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 |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 1 (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 risk around 401 Chaps Hill Rd is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 66% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
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 47 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
5G (outdoors only) and 4G LTE
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