Rowan County property record for 424 Rockfork Rd, Morehead, KY 40351
| Property Type | Mobile Home |
|---|---|
| Details | 1 ba · 1,232 sqft · built 1997 |
| Lot Size | 1.24 acres (54,232 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $75,000 (May 2026) |
| Deeds & Mortgages | Jul 2026 Mortgage Jul 2026 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 093-00 00 004.00 |
| Primary APN | 093-00 00 004.00 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Building Area | 1,232 sqft Living Area |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Mobile Home |
| Lot Area | 54,232 sqft (1.24 acres) |
| Street Address | 424 ROCKFORK RD |
|---|---|
| City | MOREHEAD |
| State | KY |
| Zip | 40351-8952 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Legal Description | 1.245A+- & 1997 DW 28X44 + CARPORT PLUS STRIP LAND |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | HILDA-TRIPLETT |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 950100 |
Source: Rowan County records, as of August 11, 2026
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 |
|---|---|
| Mailing Address | 372 ROCKFORK RD, MOREHEAD, KY 40351-8951 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 30, 2026 | Deed of Trust, Mortgage · FHA Mortgage DFT2 FINANCIAL LLC |
| Jul 30, 2026 | Deed of Trust, Mortgage · Conventional Mortgage KENTUCKY HOUSING CORPORATION |
| May 26, 2026 | Commissioner's Deed, Foreclosure NONE LISTED ON DOCUMENT |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 26, 2026 · Amount on Record |
| Deed Sale | May 26, 2026 · Amount on Record |
| Deed Document Number | 20262047042 |
| Deed Book / Page | 299 / 824 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Recording Date | Jul 30, 2026 |
| Property Address | 424 ROCKFORK RD, MOREHEAD, KY 40351-8952 |
| Document Number | 0002049031 |
| Book / Page | 496 / 488 |
| Instrument Date | Jul 23, 2026 |
| Instrument | 20262049031 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1660 MAXEY FLAT RD, HILLSBORO, KY 41049-8411 |
| Document Number | 0002049031, |
|---|---|
| Date | Jul 30, 2026 |
| Book Page | 496/488 |
| Instrument | 20262049031 |
| Name | DFT2 FINANCIAL LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate | 6.49% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Recording Date | Jul 30, 2026 |
| Property Address | 424 ROCKFORK RD, MOREHEAD, KY 40351-8952 |
| Document Number | 0002049032 |
| Book / Page | 496 / 519 |
| Instrument Date | Jul 23, 2026 |
| Instrument | 20262049032 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 424 ROCKFORK RD, MOREHEAD, KY 40351-8952 |
| Document Number | 0002049032, |
|---|---|
| Date | Jul 30, 2026 |
| Book Page | 496/519 |
| Instrument | 20262049032 |
| Name | KENTUCKY HOUSING CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.84% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Commissioner's Deed |
|---|---|
| Jurisdiction | ROWAN KY |
| Recording Date | May 26, 2026 |
| Property Address | 424 ROCKFORK RD, MOREHEAD, KY 40351-8952 |
| Document Number | 0002047042 |
| Book / Page | 299 / 824 |
| Instrument Date | Nov 22, 2024 |
| Instrument | 20262047042 |
| Transaction Type | Foreclosure |
| Record Updated | Aug 29, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $7,575.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 372 ROCKFORK RD, MOREHEAD, KY 40351-8951 |
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 | Homeowner's exemption | $46,350 (+15.76%) Land $12,500 Building $33,850 | $46,350 (+15.76%) Land $12,500 Building $33,850 |
| 2023 | Homeowner's exemption | $40,040 Land $12,500 Building $27,540 | $40,040 Land $12,500 Building $27,540 |
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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