430 W Main St, Morehead, KY 40351 Property Records

Rowan County property record for 430 W Main St, Morehead, KY 40351 · Last verified April 2026

Property Summary

Property Type	Commercial
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on File
Tax Bill	$2,707 (2025)
Deeds & Mortgages	Apr 2018 Transfer
Flood Zone	Zone AE (high risk)
APN	`080-20 25 013.00`

Property Details

APN / Parcel Number

Primary APN	`080-20 25 013.00`
Alternative APNs	`7934` `7962` `8385`

Exterior

Exterior Material	Other
Construction Type	Frame
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	5,227 sqft (0.12 acres)

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Account Number	8385
Street Address	430 W MAIN ST
City	MOREHEAD
State	KY
Zip	40351-1565
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	BLDG & LOT PLUS LOT 203/270 & MAP # 80-20-25-12 428 WEST MAIN ST
Legal Subdivision	WEST MAIN STREET
Legal Lot Number	203
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	1
Census Block	1057
Census Tract	950301

Owner

Source: Rowan County records · APN 080-20 25 013.00

Assessment roll updated November 18, 2025 · Last verified April 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 File
Mailing Address	430 W MAIN ST, MOREHEAD, KY 40351-1565
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	Mar 29, 2018
Transfer Doc	00D267/505
Record Updated	Jun 08, 2026

April 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ROWAN KY
Recording Date	Apr 19, 2018
Property Address	430 W MAIN ST, MOREHEAD, KY 40351-1565
Document Number	00D267/505
Book / Page	D267 / 505
Map Reference	CAB1 SL691
Instrument Date	Mar 29, 2018
Transaction Type	Transfer
Record Updated	Jan 04, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4067 KY 755, 4067, SANDY HOOK, KY 41171-8770

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	155 W 1ST ST APT 6, 6, MOREHEAD, KY 40351-0018

Tax Assessment & Valuation

Source: Rowan County records · Assessment roll updated November 18, 2025 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,707.00 (-2.24%)	$323,460 (-0.47%) Land $98,460 Building $225,000	$323,460 (-0.47%) Land $98,460 Building $225,000
2023	$2,769.00	$325,000 Land $100,000 Building $225,000	$325,000 Land $100,000 Building $225,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Rowan County (21205C), updated April 18, 2011 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 212059503011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 94 individual NFIP policies nearby
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	94 in force 35 of 94 on primary residences
Nearby Flood Claims	39 (2002–2018)
Claims Outside the SFHA	1 of 39
Most Recent Claim	Sep 2018, tidal / storm surge
Flood Events	Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides (Apr 2015), 14 claims Severe Storms, Tornadoes, And Flooding (Apr 2011), 3 claims Severe Storms, Flooding, Mudslides, And Tornadoes (May 2010), 14 claims

Wildfire

Wildfire Risk	Low above 20% of the US · above 37% of Kentucky
Wildfire Likelihood	About 1 in 7,143 per year
Exposure	Indirect within ember reach

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.