Rowan County property record for 444 Lambert Holw, Clearfield, KY 40313
| Property Type | Single Family Home |
|---|---|
| Details | 1,120 sqft · built 1994 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on File |
| Last Sale | $15,000 (Oct 2016) |
| Tax Bill | $209 (2025) |
| Deeds & Mortgages | Feb 2024 Mortgage Aug 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 114-00 00 031.13 |
| Primary APN | 114-00 00 031.13 |
|---|---|
| Alternative APNs |
|
| Building Area | 1,120 sqft Total Area |
|---|
| Year Built | Built 1994 |
|---|---|
| Lot Area | 43,560 sqft (1 acres) |
| Account Number | 8160 |
|---|---|
| Street Address | 444 LAMBERT HOLW |
| City | CLEARFIELD |
| State | KY |
| Zip | 40313-9659 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1999 14 X 70 FLETWOOD & LOT #14 1A+- LAMBERT HOLLOW |
| Legal Lot Number | 1,14 |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 2 |
| Census Block | 2030 |
| Census Tract | 950400 |
444 Lambert Holw is owned by an individual who acquired it in February 2024.
Source: Rowan County records, as of November 17, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 1910 ROCKFORK RD, MOREHEAD, KY 40351-8189 |
| 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.
| Date | Document |
|---|---|
| Feb 1, 2024 | Quit Claim Deed, Transfer · Commercial Mortgage COMMERCIAL BANK |
| Aug 2, 2019 | Deed of Trust, Mortgage · Commercial Mortgage COMMERCIAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 12, 2016 · Amount on File |
| Deed Sale | Oct 12, 2016 · Amount on File |
| Prior Sale | Oct 12, 2016 · Amount on File |
| Deed Document Number | 00D261/516 |
| Deed Book / Page | D261 / 516 |
| Last Transfer Date | Feb 1, 2024 |
| Transfer Doc | 00D290/584 |
| Record Updated | Jun 8, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ROWAN KY |
| Recording Date | Feb 1, 2024 |
| Property Address | 444 LAMBERT HOLW, CLEARFIELD, KY 40313-9659 |
| Document Number | 00D290/584 |
| Book / Page | D290 / 584 |
| Instrument Date | Jul 1, 2023 |
| Instrument | 2027898 |
| Transaction Type | Transfer |
| Record Updated | Feb 21, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 554 JAMES RD, WALLINGFORD, KY 41093-8713 |
| Name | Verified Name |
|---|---|
| Address | 181 BOARDWALK, MOREHEAD, KY 40351-7030 |
| Document Number | 0002027899 |
|---|---|
| Date | Feb 1, 2024 |
| Instrument | 2027899 |
| Name | COMMERCIAL BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 61 Months |
| Due | Mar 1, 2029 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Property Address | 444 LAMBERT HOLW, CLEARFIELD, KY 40313-9659 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | A408/131 |
|---|---|
| Date | Aug 2, 2019 |
| Book Page | A408/131 |
| Instrument | 2000712 |
| Name | COMMERCIAL BANK |
|---|---|
| Type | Bank |
| Address | WEST LIBERTY, KY 41472 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 41 Months |
| Due | Jan 20, 2023 |
The 2025 property tax bill for 444 Lambert Holw was $209.
Source: Rowan County assessment roll, as of April 1, 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 | $209.00 | $25,000 Land $15,000 Building $10,000 | $25,000 Land $15,000 Building $10,000 |
| 2023 | $213.00 | $25,000 Land $15,000 Building $10,000 | $25,000 Land $15,000 Building $10,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 444 Lambert Holw in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2010.
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 File 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.
Wildfire risk around 444 Lambert Holw is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.
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 35 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
No cell data coverage reported
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