Rowan County property record for 402 W Main St, Morehead, KY 40351 · Last verified November 2025
| Property Type | Commercial |
|---|---|
| Owner | Company Name on File |
| Tax Bill | $7,136 (2025) |
| Deeds & Mortgages | Apr 2019 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 080-20 26 003.00 |
| Primary APN | 080-20 26 003.00 |
|---|---|
| Alternative APNs |
|
| Exterior Material | Brick |
|---|---|
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Account Number | 9720 |
|---|---|
| Street Address | 402 W MAIN ST |
| City | MOREHEAD |
| State | KY |
| Zip | 40351-1538 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | BLDG & LOT WEST MAIN ST (WENDYS) |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 1 |
| Census Block | 1056 |
| Census Tract | 950301 |
Source: Rowan County records · APN 080-20 26 003.00
Assessment roll updated April 1, 2025 · Last verified November 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 402 W MAIN ST, MOREHEAD, KY 40351-1538 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Deed Names | Verified Name on Deed |
|---|---|
| Deed Document Number | 0000142783 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Property Address | 402 W MAIN ST, MOREHEAD, KY 40351-1538 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | A404/537 |
|---|---|
| Date | Apr 09, 2019 |
| Book Page | A404/537 |
| Instrument | 413525 |
| Name | KENTUCKY BANK |
|---|---|
| Type | Bank |
| Address | MOREHEAD, KY 40351 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Apr 04, 2044 |
| Rate Type | Adjustable Rate |
|---|
Source: Rowan County records · Assessment roll updated April 1, 2025 · Last verified November 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Rowan County |
| Municipality | Morehead City |
| Unified School District | Rowan County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,136.00 (+10.33%) | $852,570 (+12.3%) Land $473,370 Building $379,200 | $852,570 (+12.3%) Land $473,370 Building $379,200 |
| 2023 | $6,468.00 | $759,218 Land $373,218 Building $386,000 | $759,218 Land $373,218 Building $386,000 |
Source: FEMA National Flood Hazard Layer, Rowan County (21205C), updated April 18, 2011 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Wildfire Risk | Low above 20% of the US · above 37% of Kentucky |
|---|---|
| Wildfire Likelihood | About 1 in 7,143 per year |
| Exposure | Indirect within ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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