421 Dry Br Rd, Morehead, KY 40351 Property Records

Rowan County property record for 421 Dry Br Rd, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Owner	Individual Name on Record
Tax Bill	$996 (2025)
Deeds & Mortgages	Jan 2022 Line of Credit Oct 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`092-00 00 023.03`

Property Details

APN / Parcel Number

Primary APN	`092-00 00 023.03`
Alternative APNs	`4615` `4624` `4864`

Location & Zoning

Account Number	4864
Street Address	421 DRY BRANCH RD
City	MOREHEAD
State	KY
Zip	40351-8455
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	22 CONVERTED CLAYTON & .75 ACRE DRY BRANCH
Jurisdiction	ROWAN KY
Township / Civil Division	HILDA-TRIPLETT
Census Block Group	1
Census Block	1025
Census Tract	950100

Owner

Source: Rowan County records, as of November 17, 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 Record
Co-owner	Co-owner on Record
Mailing Address	220 DRY BRANCH RD, MOREHEAD, KY 40351-9544
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 7, 2022	Deed of Trust, Mortgage · Line of Credit FIRST FEDERAL SAVINGS & LOAN ASSOC OF MO
Oct 8, 2021	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 8, 2021
Deed Sale	Oct 8, 2021
Deed Document Number	2012666
Deed Book / Page	D281 / 563
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	421 DRY BRANCH RD, MOREHEAD, KY 40351-8455
Transaction Type	Mortgage
Record Updated	Nov 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 DRY BRANCH RD, MOREHEAD, KY 40351-9544

Mortgage

Document Number	00A444/290
Date	Jan 7, 2022
Book Page	A444/290
Instrument	2014452

Lender

Name	FIRST FEDERAL SAVINGS & LOAN ASSOC OF MO
Address	MOREHEAD, KY 40351

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Dec 1, 2051

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Oct 8, 2021
Property Address	421 DRY BRANCH RD, MOREHEAD, KY 40351-8455
Document Number	00D281/563
Book / Page	D281 / 563
Instrument Date	Sep 29, 2021
Instrument	2012666
Transaction Type	Transfer
Record Updated	Nov 27, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	235 DRY BRANCH RD, MOREHEAD, KY 40351-9544

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	85 SHADY LN, WELLINGTON, KY 40387-8553

Tax Assessment & Valuation

Source: Rowan County assessment roll, as of April 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$996.00 (-1.68%)	$119,000 (-) Land $10,000 Building $109,000	$119,000 (-) Land $10,000 Building $109,000
2023	$1,013.00	$119,000 Land $10,000 Building $109,000	$119,000 Land $10,000 Building $109,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
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	Severe Storms, Flooding, And Mudslides, Jul 2010 · 2 claims Severe Storms, Flooding, Mud And Rock Slides, And Tornadoes, May 2003 · 2 claims

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · above 70% of Kentucky
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000

May also be available: Spectrum.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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