430 Derrickson Rd, Morehead, KY 40351 Property Records

Rowan County property record for 430 Derrickson Rd, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,746 sqft · built 1989
Lot Size	60.3 acres (2,627,539 sqft)
Owner	Individual Name on Record
Last Sale	$410,000 (Nov 2021)
Tax Bill	$3,431 (2025)
Deeds & Mortgages	May 2021 Line of Credit Nov 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`017-00 00 010.04`

Property Details

APN / Parcel Number

Primary APN	`017-00 00 010.04`
Alternative APNs	`10445` `9864` `9929`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Building Area	2,746 sqft Living Area
Fireplaces	3 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Architectural Style	Other
Exterior Material	Other
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	2,627,539 sqft (60.3 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	10445
Street Address	430 DERRICKSON RD
City	MOREHEAD
State	KY
Zip	40351-6320
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HSE DET GAR & 7.155A DERRICKSON ROAD
Jurisdiction	ROWAN KY
Township / Civil Division	HILDA-TRIPLETT
Census Block Group	3
Census Block	3001
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	430 DERRICKSON RD, MOREHEAD, KY 40351-6320
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 3, 2021	Deed of Trust, Mortgage · Line of Credit WHITAKER BANK INC
Nov 9, 2021	Deed, Transfer · Conventional Mortgage ENVOY MORTGAGE LTD
Dec 19, 2019	Deed, Transfer · Conventional Mortgage WHITAKER BANK INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 9, 2021 · Amount on Record
Deed Sale	Nov 9, 2021 · Amount on Record
Prior Sale	Dec 19, 2019 · Amount on Record
Deed Document Number	2013481
Deed Book / Page	D282 / 105
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	430 DERRICKSON RD, MOREHEAD, KY 40351-6320
Transaction Type	Mortgage
Record Updated	Nov 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A434/39
Date	May 3, 2021
Book Page	A434/39
Instrument	2009502

Lender

Name	WHITAKER BANK INC
Type	Bank
Address	MOREHEAD, KY 40351

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Apr 27, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Nov 9, 2021
Property Address	430 DERRICKSON RD, MOREHEAD, KY 40351-6320
Document Number	00D282/105
Book / Page	D282 / 105
Instrument Date	Nov 8, 2021
Instrument	2013481
Transaction Type	Transfer
Record Updated	Nov 18, 2025
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$410.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	155 REASOR ST, CORBIN, KY 40701-2934

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	430 DERRICKSON RD, MOREHEAD, KY 40351-6320

Mortgage

Document Number	0002013485
Date	Nov 9, 2021
Instrument	2013485

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

December 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Dec 19, 2019
Property Address	430 DERRICKSON RD, MOREHEAD, KY 40351-6320
Document Number	00D274/318
Book / Page	D274 / 318
Instrument Date	Dec 13, 2019
Instrument	2002563
Transaction Type	Transfer
Record Updated	Nov 18, 2025
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$243.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9668 US HIGHWAY 62 NE, WASHINGTON COURT HOUSE, OH 43160-9390

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	430 DERRICKSON RD, MOREHEAD, KY 40351-6320

Mortgage

Document Number	0002002564
Date	Dec 19, 2019
Instrument	2002564

Lender

Name	WHITAKER BANK INC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

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	$3,431.00 (-1.77%)	$410,000 (-) Land $60,000 Building $350,000	$410,000 (-) Land $60,000 Building $350,000
2023	$3,493.00	$410,000 Land $60,000 Building $350,000	$410,000 Land $60,000 Building $350,000

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	6 (2003–2026)
Claims Outside the SFHA	5 of 6
Most Recent Claim	May 2026 · river or lake flooding

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	Low lower than 62% of the US · above 68% 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 14 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

Cell Coverage

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

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