Rowan County property record for 422 Sunset Ln, Morehead, KY 40351
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,309 sqft |
| Lot Size | 0.937 acres (40,837 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $530,000 (Jul 2025) |
| Tax Bill | $4,109 (2025) |
| Deeds & Mortgages | Dec 2010 Line of Credit Jul 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 045-00 00 054.00 |
| Primary APN | 045-00 00 054.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 3,309 sqft Living Area |
| Basement Area | 1,703 sqft |
| Unfinished Basement | 1,703 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Exterior Material | Other |
|---|---|
| Roof Material | Composition Shingle |
| Lot Area | 40,837 sqft (0.937 acres) |
| Garage Area | 660 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Account Number | 11282 |
|---|---|
| Street Address | 422 SUNSET LN |
| City | MOREHEAD |
| State | KY |
| Zip | 40351-8868 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & LOT #37 CRESTVIEW EST |
| Legal Subdivision | CRESTVIEW ESTATES |
| Legal Lot Number | 37 |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 950201 |
Source: Rowan County records, as of March 31, 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 Record |
|---|---|
| Mailing Address | PO BOX 190, SALT LICK, KY 40371-0190 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Dec 14, 2010 | Deed of Trust, Mortgage · Line of Credit MOREHEAD COMMUNITY FEDERAL CREDIT UNION |
| Jul 9, 2025 | Deed, Transfer · VA Mortgage NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 9, 2025 · Amount on Record |
| Deed Sale | Jul 9, 2025 · Amount on Record |
| Deed Document Number | 20252038729 |
| Deed Book / Page | 296 / 247 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Property Address | 422 SUNSET LN, MOREHEAD, KY 40351-8868 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|---|
| Address | 422 SUNSET LN, MOREHEAD, KY 40351-8868 |
| Document Number | 00A308/164 |
|---|---|
| Date | Dec 14, 2010 |
| Book Page | A308/164 |
| Instrument | 370447 |
| Name | MOREHEAD COMMUNITY FEDERAL CREDIT UNION |
|---|---|
| Address | MOREHEAD, KY 40351 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 8, 2025 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | ROWAN KY |
| Recording Date | Jul 9, 2025 |
| Property Address | 422 SUNSET LN, MOREHEAD, KY 40351-8868 |
| Document Number | 00D296/247 |
| Book / Page | D296 / 247 |
| Map Reference | CAB 1 SL 396 |
| Instrument Date | Jul 8, 2025 |
| Instrument | 2038729 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Title Company | BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $530.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2163 CANTERBURY LN, LISLE, IL 60532-0809 |
| Name | Verified Name |
|---|---|
| Address | 422 SUNSET LN, MOREHEAD, KY 40351-8868 |
| Document Number | 0002038732 |
|---|---|
| Date | Jul 9, 2025 |
| Instrument | 2038732 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2055 |
Source: Rowan County assessment roll, as of November 18, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Rowan County |
| Municipality | Morehead City |
| Unified School District | Rowan County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,109.00 (+36.6%) Homeowner's exemption | $540,100 (+35.19%) Land $45,000 Building $495,100 | $540,100 (+35.19%) Land $45,000 Building $495,100 |
| 2023 | $3,008.00 Homeowner's exemption | $399,500 Land $37,000 Building $362,500 | $399,500 Land $37,000 Building $362,500 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; 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 | 0.02% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | MOREHEAD UTILITY PLANT BOARD serves 9,052 people · EPA ID KY1030292 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2024 |
| Lead | Under 1 ppb (2026) action level 15 ppb |
| Water Quality | Turbidity resolved · Dec 2019 |
|---|---|
| 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 · DSL in parts of the area | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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