Rowan County property record for 421 Cecil Dr, Morehead, KY 40351 · Last verified June 2026
| Property Type | Residential > Single Family > Rural Home |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1958 |
| Square Footage | 1,664 sqft Living Area |
| Lot Size | 1,306,800 sqft (30 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $345,000 (2022) |
| Tax Bill | $3,456.00 (2025) |
| Primary APN | 062-00 00 065.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Baths |
| Building Area | 1,664 sqft Living Area |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Exterior Material | Aluminum/Vinyl Exterior |
| Roof Construction | Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 1,306,800 sqft (30 acres) |
| Cooling System | None Cooling |
|---|---|
| Heating System | Other Heating |
| Heating Fuel | Gas Heating Fuel |
| Account Number | 1755 |
|---|---|
| Street Address | 421 CECIL DR |
| City | MOREHEAD |
| State | KY |
| Zip | 40351-1115 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Rural Home |
| Legal Description | HOUSE, DETACHED GARAGE & LAND CECIL DRIVE /+ MAP 62-70 |
| Legal Subdivision | JACK CECIL SUBDIVISION |
| Jurisdiction | ROWAN KY |
| Minor Civil Division | MOREHEAD |
| Census Blockgroup | 3 |
| Census Block | 3007 |
| Census Tract | 950202 |
Source: Rowan County records · APN 062-00 00 065.00
Assessment roll updated November 18, 2025 · Last verified June 2026
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 File |
|---|---|
| Mailing Address | 421 CECIL DR, MOREHEAD, KY 40351-1115 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| May 21, 2026 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK |
| Feb 28, 2022 | Deed, Transfer · Stand Alone First Mortgage THE CITIZENS BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 28, 2022 · Amount on Record |
| Deed Sale | Feb 28, 2022 · Amount on Record |
| Deed Doc Number | 20222015180 |
| Deed Book / Page | 283 / 170 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Recording Date | May 21, 2026 |
| Property Address | 421 CECIL DR, MOREHEAD, KY 40351-1115 |
| Document Number | 0002047012 |
| Book / Page | 494 / 1 |
| Instrument Date | May 12, 2026 |
| Instrument | 20262047012 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 421 CECIL DR, MOREHEAD, KY 40351-1115 |
| Document Number | 0002047012, |
|---|---|
| Date | May 21, 2026 |
| Book Page | 494/1 |
| Instrument | 20262047012 |
| Name | CITIZENS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 16, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.65% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | ROWAN KY |
| Recording Date | Feb 28, 2022 |
| Property Address | 421 CECIL DR, MOREHEAD, KY 40351-1115 |
| Document Number | 00D283/170 |
| Book / Page | D283 / 170 |
| Instrument Date | Feb 28, 2022 |
| Instrument | 2015180 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $345.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2 THE VILLAS, BRONSTON, KY 42518-9615 |
| Name | Verified Name |
|---|---|
| Relationship | Right Of Survivorship |
| Address | 421 CECIL DR, MOREHEAD, KY 40351-1115 |
| Document Number | 0002015181 |
|---|---|
| Date | Feb 28, 2022 |
| Instrument | 2015181 |
| Name | THE CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Stand Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Rowan County records · Assessment roll updated November 18, 2025 · Last verified June 2026
| 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 | $3,456.00 (+8.44%) | $412,920 (+10.38%) Land $339,880 Building $73,040 | $543,720 (+7.69%) Land $156,500 Building $387,220 |
| 2023 | $3,187.00 | $374,100 Land $359,700 Building $14,400 | $504,900 Land $156,500 Building $348,400 |
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 X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 37% of Kentucky |
|---|---|
| Wildfire Likelihood | About 1 in 2,500 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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