404 Water Ave, Morehead, KY 40351 Property Records

Rowan County property record for 404 Water Ave, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,184 sqft · built 1958
Owner	Individual Name on File
Last Sale	$117,400 (Aug 2020)
Tax Bill	$982 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`080-30 00 083.00`

Property Details

APN / Parcel Number

Primary APN	`080-30 00 083.00`
Alternative APNs	`4140` `4151` `4362`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,184 sqft Living Area

Exterior

Year Built	Built 1958
Exterior Material	Other
Foundation Type	Block
Roof Material	Composition Shingle
Garage Type	Detached

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Account Number	4362
Street Address	404 WATER AVE
City	MOREHEAD
State	KY
Zip	40351-1360
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HSE & LOT WATER AVE
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	2
Census Block	2000
Census Tract	950202

Owner

Source: Rowan County records · APN 080-30 00 083.00

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	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	945 PIEDMONT ST, MOREHEAD, KY 40351-1341
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 17, 2020 · Amount on Record
Deed Sale	Aug 17, 2020 · Amount on Record
Prior Sale	Feb 03, 2014 · Amount on Record
Deed Document Number	2006001
Deed Book / Page	D276 / 506
Record Updated	Jun 08, 2026

August 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Aug 17, 2020
Property Address	404 WATER AVE, MOREHEAD, KY 40351-1360
Document Number	00D276/506
Book / Page	D276 / 506
Map Reference	MB 211 PG 364
Instrument Date	Aug 13, 2020
Instrument	2006001
Transaction Type	Transfer
Record Updated	Mar 07, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$117.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1036 ALEC SPENCER DR, WEST LIBERTY, KY 41472-7172

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	945 PIEDMONT ST, MOREHEAD, KY 40351-1341

Mortgage

Document Number	0002006002
Date	Aug 17, 2020
Instrument	2006002

Lender

Name	THE CITIZENS BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Aug 13, 2025

Tax Assessment & Valuation

Source: Rowan County records · Assessment roll updated April 1, 2025 · Last verified November 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Rowan County
Municipality	Morehead City
Unified School District	Rowan County School District (PK - 12)

Tax Bill & Assessment History

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	$982.00 (-1.8%)	$117,400 (-) Land $25,000 Building $92,400	$117,400 (-) Land $25,000 Building $92,400
2023	$1,000.00	$117,400 Land $20,000 Building $97,400	$117,400 Land $20,000 Building $97,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of April 18, 2011 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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	2 in force

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Uniti Group Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
T-Mobile USA Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

Based on FCC filings for 122 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	MOREHEAD STATE UNIVERSITY state or territorial government · serves 6,500 people
Water Source	Surface water
Last State Inspection	Feb 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.