Rowan County property record for 430 Jones Rdg, Clearfield, KY 40313
| Property Type | Single Family Home |
|---|---|
| Owner | 2 Individual Names on Record |
| Tax Bill | $636 (2025) |
| Deeds & Mortgages | Aug 2026 Sale Mar 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 116-00 00 012.01 |
| Primary APN | 116-00 00 012.01 |
|---|---|
| Alternative APNs |
|
| Account Number | 1459 |
|---|---|
| Street Address | 430 JONES RDG |
| City | CLEARFIELD |
| State | KY |
| Zip | 40313-9752 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2022 CLAYTON EAGLE & 1 ACRE JONES RIDGE |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 2 |
| Census Block | 2047 |
| Census Tract | 950400 |
Source: Rowan County records, as of August 20, 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 | 430 JONES RDG, CLEARFIELD, KY 40313-9752 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Right of Survivorship |
| Date | Document |
|---|---|
| Aug 7, 2026 | Deed, Transfer NONE LISTED ON DOCUMENT |
| Mar 28, 2023 | Deed of Trust, Mortgage VANDERBILT MORTGAGE & FINANCE INC |
| Sep 16, 2022 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Aug 6, 2026 |
| Transfer Doc | 0002049241 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ROWAN KY |
| Recording Date | Aug 7, 2026 |
| Property Address | 430 JONES RDG, CLEARFIELD, KY 40313-9752 |
| Document Number | 0002049241 |
| Book / Page | 300 / 733 |
| Instrument Date | Aug 6, 2026 |
| Instrument | 20262049241 |
| Transaction Type | Transfer |
| Record Updated | Aug 20, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 430 JONES RDG, CLEARFIELD, KY 40313-9752 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Property Address | 430 JONES RDG, CLEARFIELD, KY 40313-9752 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Title Company | HOMETOWN SETTLEMENTS LLC, HOME TOWN SETTLMENT SVS LLC |
| Name | Verified Name |
|---|---|
| Address | 277 RAVENSWOOD RD, CLEARFIELD, KY 40313-9627 |
| Document Number | 00A458/492 |
|---|---|
| Date | Mar 28, 2023 |
| Book Page | A458/492 |
| Instrument | 2022006 |
| Name | VANDERBILT MORTGAGE & FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Address | MARYVILLE, TN 37802 |
| Amount | Amount Recorded |
|---|---|
| Term | 284 Months |
| Due | Nov 1, 2046 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ROWAN KY |
| Recording Date | Sep 16, 2022 |
| Property Address | 430 JONES RDG, CLEARFIELD, KY 40313-9752 |
| Document Number | 00D285/462 |
| Book / Page | D285 / 462 |
| Instrument Date | Sep 16, 2022 |
| Instrument | 2018998 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 277 RAVENSWOOD RD, CLEARFIELD, KY 40313-9627 |
| Name | Verified Name |
|---|---|
| Address | 277 RAVENSWOOD ROAD, GRAYSON, KY 41143 |
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 | $636.00 Disabled Person's exemption | $125,150 Land $10,000 Building $115,150 | $125,150 Land $10,000 Building $115,150 |
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 15 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 2 (2010–2015) |
| Most Recent Claim | Apr 2015 · Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides |
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 | 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.
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 8 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Windstream DSL | 100 / 20 |
5G and 4G LTE (outdoors only)
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