Rowan County property record for 457 Richards Rd, Morehead, KY 40351
| Property Type | Rural Home |
|---|---|
| Details | 4 bd · 3 ba · 1,986 sqft · built 2000 |
| Lot Size | 20.6 acres (898,207 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,162 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 135-00 00 015.03 |
| Primary APN | 135-00 00 015.03 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 1,986 sqft Living Area |
| Year Built | Built 2000 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 898,207 sqft (20.6 acres) |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Other |
| Account Number | 4270 |
|---|---|
| Street Address | 457 RICHARDS RD |
| City | MOREHEAD |
| State | KY |
| Zip | 40351-8679 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | HOUSE & 20.62A+-RICHARDS RD OFF SEAS BR |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 950400 |
Source: Rowan County assessment roll, APN 135-00 00 015.03, as of April 1, 2025 · Last verified November 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 457 RICHARDS RD, MOREHEAD, KY 40351-8679 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Deed Document Number | 0000187612 |
| Record Updated | Jun 08, 2026 |
Source: Rowan County assessment roll as of April 1, 2025 · Last verified November 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Rowan County |
| Unified School District | Rowan County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,162.00 (-3.65%) Homeowner's exemption | $187,943 (-) Land $187,943 | $232,500 (+1.46%) Land $57,500 Building $175,000 |
| 2023 | $1,206.00 Homeowner's exemption | $187,943 Land $187,943 | $229,145 Land $54,145 Building $175,000 |
Source: FEMA National Flood Hazard Layer, Rowan County (21205C), as of April 18, 2011 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 212059504001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 10 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 22 (2010–2024) |
| Claims Outside the SFHA | 1 of 22 |
| Most Recent Claim | Sep 2024 · Remnants Of Hurricane Helene |
| Claims by Event |
|
| Wildfire Risk | Moderate above 40% of the US · above 70% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, 7 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Uniti Group DSL | 25 / 3 |
4G LTE (outdoors only), no 5G reported
Source: EPA Safe Drinking Water Information System, water system KY1030375, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ROWAN WATER INC private · serves 18,765 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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