48 Spring St S, Morehead, KY 40351 Property Records

Rowan County property record for 48 Spring St S, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1975
Owner	Individual Name on Record
Last Sale	$139,500 (Aug 2022)
Tax Bill	$1,167 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Mar 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`043-10 00 047.00`

Property Details

APN / Parcel Number

Primary APN	`043-10 00 047.00`
Alternative APNs	`10339` `4741` `4989`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	960 sqft Living Area

Exterior

Year Built	Built 1975
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle

Utilities, Heating & Cooling

Cooling System	None
Heating System	Oil
Heating Fuel	Electric

Location & Zoning

Account Number	4989
Street Address	48 SPRING ST S
City	MOREHEAD
State	KY
Zip	40351-8336
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & LOT #41 PARK HILLS
Legal Subdivision	PARK HILLS
Legal Lot Number	41
Jurisdiction	ROWAN KY
Township / Civil Division	HILDA-TRIPLETT
Census Block Group	2
Census Block	2022
Census Tract	950100

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	48 SPRING ST S, MOREHEAD, KY 40351-8336
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2022	Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Mar 31, 2022	Warranty Deed, Transfer
Apr 27, 2022	Warranty Deed, Construction Loan · Construction Mortgage COMMUNITY TRUST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2022 · Amount on Record
Deed Sale	Aug 26, 2022 · Amount on Record
Prior Sale	Apr 27, 2022 · Amount on Record
Deed Document Number	2018636
Deed Book / Page	D285 / 204
Record Updated	Jun 8, 2026

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Aug 26, 2022
Property Address	48 SPRING ST S, MOREHEAD, KY 40351-8336
Document Number	00D285/204
Book / Page	D285 / 204
Map Reference	MB 2 PG 51
Instrument Date	Aug 15, 2022
Instrument	2018636
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$139.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4065 PALMETTO DR, LEXINGTON, KY 40513-1344

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 SPRING ST S, MOREHEAD, KY 40351-8336

Mortgage

Document Number	0002018637
Date	Aug 26, 2022
Instrument	2018637

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN KY
Recording Date	Mar 31, 2022
Property Address	48 SPRING ST S, MOREHEAD, KY 40351-8336
Document Number	00D283/404
Book / Page	D283 / 404
Map Reference	CAB 01 PG 133
Instrument Date	Dec 29, 2021
Instrument	2015818
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	322 SKAGGS LN, HILLSBORO, KY 41049-9016

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4065 PALMETTO DR, LEXINGTON, KY 40513-1344

April 2022: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	ROWAN KY
Recording Date	Apr 27, 2022
Property Address	48 SPRING ST S, MOREHEAD, KY 40351-8336
Document Number	00D283/716
Book / Page	D283 / 716
Instrument Date	Dec 29, 2021
Instrument	2016333
Transaction Type	Construction Loan
Record Updated	Mar 7, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	322 SKAGGS LN, HILLSBORO, KY 41049-9016

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4065 PALMETTO DR, LEXINGTON, KY 40513-1344

Mortgage

Document Number	0002016337
Date	Apr 27, 2022
Instrument	2016337

Lender

Name	COMMUNITY TRUST BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Rowan County assessment roll, as of April 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Rowan County
Unified School District	Rowan County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,167.00 (-1.77%)	$139,500 (-) Land $12,000 Building $127,500	$139,500 (-) Land $12,000 Building $127,500
2023	$1,188.00	$139,500 Land $12,000 Building $127,500	$139,500 Land $12,000 Building $127,500

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

Flood

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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (2010)
Most Recent Claim	May 2010 · Severe Storms, Flooding, Mudslides, And Tornadoes
Claims by Event	Severe Storms, Flooding, Mudslides, And Tornadoes, May 2010 · 2 claims

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

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	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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 104 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

May also be available: Verizon.

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