Rowan County property record for 451 Rice Rd, Morehead, KY 40351
| Property Type | Single Family Home |
|---|---|
| Details | built 2008 |
| Owner | 2 Individual Names on File |
| Last Sale | $250,000 (Jun 2022) |
| Tax Bill | $2,092 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Jun 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 019-00 00 017.03 |
| Primary APN | 019-00 00 017.03 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|
| Year Built | Built 2008 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Garage Type | Basement |
| Account Number | 8645 |
|---|---|
| Street Address | 451 RICE RD |
| City | MOREHEAD |
| State | KY |
| Zip | 40351-8736 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE POOL & LOT #3 UNIT 1 ( .452 AC) GREENFIELD ESTATES |
| Legal Subdivision | GREENFIELD ESTATES |
| Legal Lot Number | 3 |
| Legal Unit | 1 |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 950201 |
451 Rice Rd is owned and occupied by two individuals who bought it in June 2022.
Source: Rowan County records, as of November 17, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 451 RICE RD, MOREHEAD, KY 40351-8736 |
| 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.
| Date | Document |
|---|---|
| Oct 13, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jun 17, 2022 | Deed, Transfer · Commercial Mortgage TRADITIONAL BANK INC |
| Mar 1, 2019 | Deed, Transfer · Conventional Mortgage PRIME MORTGAGE LENDING INC |
| Deed Names | 3 Names on Deed |
|---|---|
| Last Sale | Jun 17, 2022 · Amount on File |
| Deed Sale | Jun 17, 2022 · Amount on File |
| Prior Sale | Mar 1, 2019 · Amount on File |
| Deed Document Number | 2017496 |
| Deed Book / Page | D284 / 476 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Property Address | 451 RICE RD, MOREHEAD, KY 40351-8736 |
| Transaction Type | Mortgage |
| Record Updated | Nov 18, 2025 |
| Title Company | AMROCK INC, AMROCK LLC |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 00A441/123 |
|---|---|
| Date | Oct 13, 2021 |
| Book Page | A441/123 |
| Instrument | 2012757 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ROWAN KY |
| Recording Date | Jun 17, 2022 |
| Property Address | 451 RICE RD, MOREHEAD, KY 40351-8736 |
| Document Number | 00D284/476 |
| Book / Page | D284 / 476 |
| Map Reference | CAB 2 SL 339 |
| Instrument Date | Jun 10, 2022 |
| Instrument | 2017496 |
| Transaction Type | Transfer |
| Record Updated | Nov 18, 2025 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $250.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 451 RICE RD, MOREHEAD, KY 40351-8736 |
| Name | Verified Name |
|---|---|
| Address | 5627 CAMARGO LEVEE RD, MOUNT STERLING, KY 40353 |
| Document Number | 0002017497 |
|---|---|
| Date | Jun 17, 2022 |
| Instrument | 2017497 |
| Name | TRADITIONAL BANK INC |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ROWAN KY |
| Recording Date | Mar 1, 2019 |
| Property Address | 451 RICE RD, MOREHEAD, KY 40351-8736 |
| Document Number | 00D270/751 |
| Book / Page | D270 / 751 |
| Map Reference | CAB 2 SL 339 |
| Instrument Date | Feb 22, 2019 |
| Instrument | 413040 |
| Transaction Type | Transfer |
| Record Updated | Nov 18, 2025 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $190.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2530 APPLE RIDGE LN, LINCOLON, OH |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 451 RICE RD, MOREHEAD, KY 40351-8736 |
| Investor | Possibly a Property Investor |
| Document Number | 0000413041 |
|---|---|
| Date | Mar 1, 2019 |
| Instrument | 413041 |
| Name | PRIME MORTGAGE LENDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2049 |
The 2025 property tax bill for 451 Rice Rd was $2,092.
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 | $2,092.00 | $250,000 Land $23,500 Building $226,500 | $250,000 Land $23,500 Building $226,500 |
| 2023 | $2,130.00 | $250,000 Land $23,500 Building $226,500 | $250,000 Land $23,500 Building $226,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 451 Rice Rd in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 2002.
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 18 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 18 in force |
| Nearby Flood Claims | 9 (2002–2015) |
| Most Recent Claim | May 2015 · river or lake flooding |
| Claims by Event |
|
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 451 Rice 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 66% of the US · above 66% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 125 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 | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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