Rowan County property record for 448 Skaggs Rd, Morehead, KY 40351
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,632 sqft |
| Owner | Individual Name on File |
| Last Sale | $194,500 (Oct 2022) |
| Tax Bill | $1,627 (2025) |
| Deeds & Mortgages | Oct 2022 Sale & Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 045-20 00 035.00 |
| Primary APN | 045-20 00 035.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,632 sqft Living Area |
| Basement Area | 672 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Architectural Style | Split Level |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Garage Type | Basement |
| Cooling System | None |
|---|---|
| Heating System | Oil |
| Heating Fuel | Electric |
| Account Number | 2727 |
|---|---|
| Street Address | 448 SKAGGS RD |
| City | MOREHEAD |
| State | KY |
| Zip | 40351-8849 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & LOTS 8 & 9 ALLEN ADAMS SUBDIVISION |
| Legal Subdivision | ALLEN ADAMS SUBD |
| Legal Lot Number | 8-9 |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 950201 |
448 Skaggs Rd is owned and occupied by an individual who bought it in October 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 | 448 SKAGGS RD, MOREHEAD, KY 40351-8849 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 1, 2022 · Amount on File |
| Deed Sale | Oct 1, 2022 · Amount on File |
| Deed Document Number | 2019293 |
| Deed Book / Page | D285 / 589 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ROWAN KY |
| Recording Date | Oct 1, 2022 |
| Property Address | 448 SKAGGS RD, MOREHEAD, KY 40351-8849 |
| Document Number | 00D285/589 |
| Book / Page | D285 / 589 |
| Map Reference | MB 2 PG 4 |
| Instrument Date | Sep 30, 2022 |
| Instrument | 2019293 |
| Transaction Type | Transfer |
| Record Updated | Oct 19, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $194.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 218 MEADOW LN, 218, MOREHEAD, KY 40351-8405 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 1699 HIGHWAY 3333, WEST LIBERTY, KY 41472-8279 |
| Document Number | 0002019294 |
|---|---|
| Date | Oct 1, 2022 |
| Instrument | 2019294 |
| Name | FIRST NATIONAL BANK OF GRAYSON |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2052 |
The 2025 property tax bill for 448 Skaggs Rd was $1,627.
Source: Rowan County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Rowan County |
| Municipality | Morehead City |
| Unified School District | Rowan County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,627.00 | $194,500 Land $30,000 Building $164,500 | $194,500 Land $30,000 Building $164,500 |
| 2023 | $1,652.00 | $194,000 Land $15,000 Building $179,000 | $194,000 Land $15,000 Building $179,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 448 Skaggs Rd 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 risk around 448 Skaggs Rd is low, with a 0.04% 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 | 0.04% 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 119 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 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures