438 Allen Ave, Morehead, KY 40351 Property Records

Rowan County property record for 438 Allen Ave, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 3,564 sqft · built 1965
Owner	Individual Name on Record
Last Sale	$399,500 (Mar 2023)
Tax Bill	$3,343 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Mar 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`080-20 02 002.00`

Property Details

APN / Parcel Number

Primary APN	`080-20 02 002.00`
Alternative APNs	`10521` `10292` `9786`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,564 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Block
Roof Material	Wood Shingle

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Oil
Heating Fuel	Electric

Location & Zoning

Account Number	10292
Street Address	438 ALLEN AVE
City	MOREHEAD
State	KY
Zip	40351-1106
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & LOT ALLEN AVENUE
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	3
Census Block	3007
Census Tract	950202

Owner

Source: Rowan County records, as of January 19, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	129 E MAIN ST, MOREHEAD, KY 40351-1657
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Mar 8, 2023	Deed, Transfer · Stand-Alone First Mortgage THE CITIZENS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 8, 2023 · Amount on Record
Deed Sale	Mar 8, 2023 · Amount on Record
Prior Sale	Apr 8, 2014 · Amount on Record
Deed Document Number	2021693
Deed Book / Page	D287 / 143
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	438 ALLEN AVE, MOREHEAD, KY 40351-1106
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A435/402
Date	Jun 9, 2021
Book Page	A435/402
Instrument	2010126

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 1, 2031

March 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Mar 8, 2023
Property Address	438 ALLEN AVE, MOREHEAD, KY 40351-1106
Document Number	00D287/143
Book / Page	D287 / 143
Instrument Date	Mar 7, 2023
Instrument	2021693
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$399.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	421 CECIL DR, MOREHEAD, KY 40351-1115

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 ALLEN AVE, MOREHEAD, KY 40351-1106

Mortgage

Document Number	0002021694
Date	Mar 8, 2023
Instrument	2021694

Lender

Name	THE CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Mar 7, 2033

Tax Assessment & Valuation

Source: Rowan County assessment roll, as of April 1, 2025

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,343.00 (+8.12%)	$399,500 (+10.06%) Land $30,000 Building $369,500	$399,500 (+10.06%) Land $30,000 Building $369,500
2023	$3,092.00	$363,000 Land $20,000 Building $343,000	$363,000 Land $20,000 Building $343,000

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach

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	MOREHEAD UTILITY PLANT BOARD serves 9,052 people · EPA ID KY1030292
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Dec 2019
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 305 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Networx Technologies.

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