Rowan County property record for 406 Rockfork Rd, Morehead, KY 40351
| Property Type | Single Family Home |
|---|---|
| Lot Size | 1.23 acres (53,666 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $125 (2025) |
| Deeds & Mortgages | Jan 2020 Mortgage Feb 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 093-00 00 005.02 |
| Primary APN | 093-00 00 005.02 |
|---|---|
| Alternative APNs |
|
| Lot Area | 53,666 sqft (1.23 acres) |
|---|
| Account Number | 11349 |
|---|---|
| Street Address | 406 ROCKFORK RD |
| City | MOREHEAD |
| State | KY |
| Zip | 40351-8952 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1.232 A +- ROCK FORK ROAD |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | HILDA-TRIPLETT |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 950100 |
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 Individual Names on Record |
|---|---|
| Mailing Address | 406 ROCKFORK RD, MOREHEAD, KY 40351-8952 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 17, 2020 | Deed of Trust, Mortgage · Conventional Mortgage KENTUCKY BANK |
| Feb 3, 2021 | Deed of Trust, Mortgage · Conventional Mortgage KENTUCKY BANK |
| Aug 5, 2019 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Aug 5, 2019 |
| Transfer Doc | D273/010 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Property Address | 406 ROCKFORK RD, MOREHEAD, KY 40351-8952 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | A413/734 |
|---|---|
| Date | Jan 17, 2020 |
| Book Page | A413/734 |
| Instrument | 2003491 |
| Name | KENTUCKY BANK |
|---|---|
| Type | Bank |
| Address | PARIS, KY 40362 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jan 16, 2021 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Property Address | 406 ROCKFORK RD, MOREHEAD, KY 40351-8952 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | A430/20 |
|---|---|
| Date | Feb 3, 2021 |
| Book Page | A430/20 |
| Instrument | 2008154 |
| Name | KENTUCKY BANK |
|---|---|
| Type | Bank |
| Address | PARIS, KY 40362 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ROWAN KY |
| Recording Date | Aug 5, 2019 |
| Property Address | 406 ROCKFORK RD, MOREHEAD, KY 40351-8952 |
| Document Number | D273/010 |
| Book / Page | D273 / 010 |
| Instrument Date | Aug 5, 2019 |
| Instrument | 2000787 |
| Transaction Type | Transfer |
| Record Updated | Nov 25, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 80 CRAWFORD RD, CLEARFIELD, KY 40313-9648 |
Source: Rowan County assessment roll, as of November 18, 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 | $125.00 (-1.57%) | $15,000 (-) Land $15,000 | $15,000 (-) Land $15,000 |
| 2023 | $127.00 | $15,000 Land $15,000 | $15,000 Land $15,000 |
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 · 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 |
| Flood Insurance Cost | Premium on Record median of 16 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 10 (2001–2017) |
| Claims Outside the SFHA | 5 of 10 |
| Most Recent Claim | Jun 2017 · river or lake flooding |
| Claims by Event |
|
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.
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 | 0.04% 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 | 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 |
| 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.
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 | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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