440 Allen Ave, Morehead, KY 40351 Property Records

Rowan County property record for 440 Allen Ave, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,500 sqft · built 1966
Owner	Individual Name on File
Last Sale	$303,000 (May 2022)
Tax Bill	$2,536 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Dec 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`080-20 02 001.00`

Property Details

APN / Parcel Number

Primary APN	`080-20 02 001.00`
Alternative APNs	`10100` `10628` `2664`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,500 sqft Living Area

Exterior

Year Built	Built 1966
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Block
Roof Material	Composition Shingle
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Oil
Heating Fuel	Electric

Location & Zoning

Account Number	10628
Street Address	440 ALLEN AVE
City	MOREHEAD
State	KY
Zip	40351-1106
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & LOT 100X120 PLUS LAND
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	3
Census Block	3007
Census Tract	950202

Owner

440 Allen Ave is owned and occupied by an individual who bought it in May 2022.

Source: Rowan County records, as of November 17, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	440 ALLEN AVE, MOREHEAD, KY 40351-1106
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
May 23, 2022	Deed, Transfer · Conventional Mortgage HAMILTON HOME LOANS INC
Dec 17, 2019	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2022 · Amount on File
Deed Sale	May 23, 2022 · Amount on File
Prior Sale	Dec 17, 2019 · Amount on File
Deed Document Number	2016943
Deed Book / Page	D284 / 186
Record Updated	Jun 8, 2026

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	May 23, 2022
Property Address	440 ALLEN AVE, MOREHEAD, KY 40351-1106
Document Number	00D284/186
Book / Page	D284 / 186
Instrument Date	May 6, 2022
Instrument	2016943
Transaction Type	Transfer
Record Updated	Jun 9, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$303.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	745 PENNINGTON FLATS RD, 745, MOREHEAD, KY 40351-8220

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	440 ALLEN AVE, MOREHEAD, KY 40351-1106

Mortgage

Document Number	0002016944
Date	May 23, 2022
Instrument	2016944

Lender

Name	HAMILTON HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

December 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Dec 17, 2019
Property Address	440 ALLEN AVE, MOREHEAD, KY 40351-1106
Document Number	D274/300
Book / Page	D274 / 300
Instrument Date	Dec 17, 2019
Instrument	2002541
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Amount	Amount on Record
Tax	$250.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1090 SHARKEY RD, 1090, MOREHEAD, KY 40351-9799

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	745 PENNINGTON FLATS RD, MOREHEAD, KY 40351-8220

Tax Assessment & Valuation

The 2025 property tax bill for 440 Allen Ave was $2,536.

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	$2,536.00	$303,000 Land $30,000 Building $273,000	$303,000 Land $30,000 Building $273,000
2023	$2,581.00	$303,000 Land $25,000 Building $278,000	$303,000 Land $25,000 Building $278,000

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

Flood

FEMA maps place 440 Allen Ave in Zone X, an area of minimal flood risk.

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

Wildfire risk around 440 Allen Ave is low, with a 0.03% annual chance of 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	0.03% 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	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 79 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

May also be available: T-Mobile, Verizon.

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