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437 Sunset Ln, Morehead, KY 40351 Property Records

Rowan County property record for 437 Sunset Ln, Morehead, KY 40351 · Last verified June 2026

Property Summary

Property TypeSingle Family Home
Details3,072 sqft
Lot Size0.92 acres (40,075 sqft)
Owner2 Individual Names on File
Last Sale$189,000 (Apr 2022)
Tax Bill$2,632 (2025)
Deeds & MortgagesMay 2026 Line of Credit
Sep 2021 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN045-00 00 050.00

Property Details

APN / Parcel Number

Primary APN045-00 00 050.00
Alternative APNs
  • 4666
  • 4680
  • 4923

Interior

Stories2 Stories
Building Area3,072 sqft Living Area

Exterior

Exterior MaterialBrick
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area40,075 sqft (0.92 acres)
Garage TypeAttached
Garage Area396 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating FuelGas

Location & Zoning

Account Number4923
Street Address437 SUNSET LN
CityMOREHEAD
StateKY
Zip40351-8868
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHOUSE & LOT #33 CRSTVIEW EST
Legal SubdivisionCRESTVIEW ESTATES
Legal Lot Number33
JurisdictionROWAN KY
Township / Civil DivisionMOREHEAD
Census Block Group1
Census Block1016
Census Tract950201

Owner

Source: Rowan County records · APN 045-00 00 050.00

Assessment roll updated November 18, 2025 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address437 SUNSET LN, MOREHEAD, KY 40351-8868
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 28, 2026Deed of Trust, Mortgage · Line of Credit
UNIVERSITY/KY FEDERAL CREDIT UNION
Sep 16, 2021Deed of Trust, Mortgage · Conventional Mortgage
NATIONAL BANK OF KANSAS CITY
Aug 13, 2020Deed, Transfer · Conventional Mortgage
ZILLOW HOME LOANS LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 27, 2022 · Amount on Record
Deed SaleApr 27, 2022 · Amount on Record
Prior SaleAug 13, 2020 · Amount on Record
Deed Document Number20222016388
Deed Book / Page283 / 720
Record UpdatedSep 20, 2026

May 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionROWAN KY
Recording DateMay 28, 2026
Property Address437 SUNSET LN, MOREHEAD, KY 40351-8868
Document Number0002047135
Book / Page494 / 327
Instrument DateApr 20, 2026
Instrument20262047135
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address437 SUNSET LN, MOREHEAD, KY 40351-8868
InvestorPossibly a Property Investor

Mortgage

Document Number0002047135,
DateMay 28, 2026
Book Page494/327
Instrument20262047135
Lender
NameUNIVERSITY/KY FEDERAL CREDIT UNION
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueApr 25, 2056
Interest
Rate TypeAdjustable Rate
Rate6.22%
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

September 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionROWAN KY
Property Address437 SUNSET LN, MOREHEAD, KY 40351-8868
Transaction TypeMortgage
Record UpdatedSep 29, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document NumberA439/697
DateSep 16, 2021
Book PageA439/697
Instrument2012049
Lender
NameNATIONAL BANK OF KANSAS CITY
TypeBank
AddressKANSAS CITY, MO 64114
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueOct 01, 2036

August 2020: Deed, Transfer

Document TypeDeed
JurisdictionROWAN KY
Recording DateAug 13, 2020
Property Address437 SUNSET LN, MOREHEAD, KY 40351-8868
Document Number00D276/476
Book / PageD276 / 476
Map ReferenceCAB 1 SL 396
Instrument DateAug 06, 2020
Instrument2005976
Transaction TypeTransfer
Record UpdatedJan 04, 2022
Title CompanyBLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$265.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address395 REDDING RD APT 111, 395, LEXINGTON, KY 40517-2378

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRight of Survivorship
Address437 SUNSET LN, MOREHEAD, KY 40351-8868

Mortgage

Document Number0002005977
DateAug 13, 2020
Instrument2005977
Lender
NameZILLOW HOME LOANS LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateKentucky
CountyRowan County
MunicipalityMorehead City
Unified School DistrictRowan 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.

YearTax BillAssessed ValueAssessed Market Value
2025$2,632.00 (+16.61%)$314,500 (+18.68%) Land $32,000 Building $282,500$314,500 (+18.68%) Land $32,000 Building $282,500
2023$2,257.00$265,000 Land $35,000 Building $230,000$265,000 Land $35,000 Building $230,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Rowan County (21205C), updated April 18, 2011 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskLow
above 20% of the US · above 37% of Kentucky
Wildfire LikelihoodAbout 1 in 4,545 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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