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  5. McBrayer Rd

418 McBrayer Rd, Clearfield, KY 40313 Property Records

Rowan County property record for 418 McBrayer Rd, Clearfield, KY 40313 · Last verified November 2025

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 1,564 sqft · built 1968
OwnerIndividual Name on File
Last Sale$99,900 (Apr 2019)
Tax Bill$836 (2025)
Deeds & MortgagesOct 2021 Mortgage
Apr 2019 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN081-10 00 184.00

Property Details

APN / Parcel Number

Primary APN081-10 00 184.00
Alternative APNs
  • 5016
  • 5019
  • 5297

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,564 sqft Living Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1968
Exterior MaterialAluminum/Vinyl
Foundation TypeBlock
Roof MaterialComposition Shingle
Garage TypeDetached

Utilities, Heating & Cooling

Cooling SystemCentral
Heating FuelGas

Location & Zoning

Account Number5297
Street Address418 MCBRAYER RD
CityCLEARFIELD
StateKY
Zip40313-9039
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHOUSE & LOT CLEARFIELD HILL
JurisdictionROWAN KY
Township / Civil DivisionMOREHEAD
Census Block Group2
Census Block2011
Census Tract950301

Owner

Source: Rowan County records · APN 081-10 00 184.00

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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address418 MCBRAYER RD, CLEARFIELD, KY 40313-9039
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 22, 2021Deed of Trust, Mortgage · FHA Mortgage
HOME POINT FINANCIAL CORPORATION
Apr 03, 2019Deed, Transfer · FHA Mortgage
FIRST CHOICE LENDING SERVICES LLC
Oct 18, 2017Deed, Transfer
ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 03, 2019 · Amount on Record
Deed SaleApr 03, 2019 · Amount on Record
Prior SaleOct 18, 2017
Deed Document Number413495
Deed Book / PageD271 / 234
Record UpdatedJun 08, 2026

October 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionROWAN KY
Property Address418 MCBRAYER RD, CLEARFIELD, KY 40313-9039
Transaction TypeMortgage
Record UpdatedFeb 21, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number00A441/526
DateOct 22, 2021
Book PageA441/526
Instrument2013137
Lender
NameHOME POINT FINANCIAL CORPORATION
TypeMortgage Company
AddressPARSIPPANY, NJ 07054
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2051

April 2019: Deed, Transfer

Document TypeDeed
JurisdictionROWAN KY
Recording DateApr 03, 2019
Property Address418 MCBRAYER RD, CLEARFIELD, KY 40313-9039
Document Number00D271/234
Book / PageD271 / 234
Instrument DateMar 29, 2019
Instrument413495
Transaction TypeTransfer
Record UpdatedFeb 21, 2023
Title CompanyBLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$100.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1879 BROOK FIELD TER, SARASOTA, FL 34234-3014

Transferred To (Grantee/Buyer)

NameVerified Name
Address418 MCBRAYER RD, CLEARFIELD, KY 40313-9039

Mortgage

Document Number0000413496
DateApr 03, 2019
Instrument413496
Lender
NameFIRST CHOICE LENDING SERVICES LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueApr 01, 2049

October 2017: Deed, Transfer

Document TypeDeed
JurisdictionROWAN KY
Recording DateOct 18, 2017
Property Address418 MCBRAYER RD, CLEARFIELD, KY 40313-9039
Document Number00D265/627
Book / PageD265 / 627
Instrument DateSep 13, 2017
Instrument407019
Transaction TypeTransfer
Record UpdatedFeb 21, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$75.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address131 VETERANS LN, MOREHEAD, KY 40351-9016

Transferred To (Grantee/Buyer)

NameVerified Name
Address1879 BROOK FIELD TER, SARASOTA, FL 34234-3014

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateKentucky
CountyRowan County
Unified School DistrictRowan 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.

YearTax BillAssessed ValueAssessed Market Value
2025$836.00 (-1.76%)$99,900 (-) Land $12,500 Building $87,400$99,900 (-) Land $12,500 Building $87,400
2023$851.00$99,900 Land $12,000 Building $87,900$99,900 Land $12,000 Building $87,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Rowan County (21205C), updated April 18, 2011 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 212059503012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 19 individual NFIP policies nearby
Community Rating SystemClass 10 (0% premium discount)
Nearby Flood Policies19 in force
Nearby Flood Claims2 (2015–2018)
Most Recent ClaimSep 2018, river or lake flooding

Wildfire

Wildfire RiskLow
above 20% of the US · above 37% of Kentucky
Wildfire LikelihoodAbout 1 in 5,556 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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, availability as of December 31, 2025 · Published October 2026 · based on 262 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Uniti GroupFiber2,000 / 2,000
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20

May also be available at this address: Uniti Group, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

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