49 Ridgeway Dr, Morehead, KY 40351 Property Records

Rowan County property record for 49 Ridgeway Dr, Morehead, KY 40351

Property Summary

Property Type	Mobile Home
Details	1 ba
Lot Size	0.549 acres (23,914 sqft)
Owner	Individual Name on Record
Last Sale	$73,000 (Dec 2009)
Tax Bill	$579 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Oct 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`022-00 00 020.15`

Property Details

APN / Parcel Number

Primary APN	`022-00 00 020.15`
Alternative APNs	`3471` `3502` `3680`

Interior

Full Baths	1 Bath

Exterior

Architectural Style	Mobile Home
Lot Area	23,914 sqft (0.549 acres)

Location & Zoning

Account Number	3680
Street Address	49 RIDGEWAY DR
City	MOREHEAD
State	KY
Zip	40351-9251
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	LOT 3B .549 ACRES & DW /GARAGE LAKEWOOD ACRES SUBDIVISION
Legal Subdivision	LAKEWOOD ACRES
Legal Lot Number	3B
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	3
Census Block	3005
Census Tract	950302

Owner

Source: Rowan County records, as of November 18, 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
Mailing Address	49 RIDGEWAY DR, MOREHEAD, KY 40351-9251
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2023	Deed of Trust, Mortgage · Conventional Mortgage TRADITIONAL BANK INC
Oct 9, 2018	Intrafamily Transfer, Transfer · Commercial Mortgage TRADITIONAL BANK INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 15, 2009 · Amount on Record
Deed Sale	Dec 15, 2009 · Amount on Record
Deed Document Number	2009366022
Deed Book / Page	234 / 507
Last Transfer Date	Oct 5, 2018
Transfer Doc	00D269/553
Record Updated	Jun 8, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	49 RIDGEWAY DR, MOREHEAD, KY 40351-9251
Transaction Type	Mortgage
Record Updated	Nov 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A458/609
Date	Mar 31, 2023
Book Page	A458/609
Instrument	2022052

Lender

Name	TRADITIONAL BANK INC
Type	Bank
Address	MOUNT STERLING, KY 40353

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2043

October 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ROWAN KY
Recording Date	Oct 9, 2018
Property Address	49 RIDGEWAY DR, MOREHEAD, KY 40351-9251
Document Number	00D269/553
Book / Page	D269 / 553
Instrument Date	Oct 5, 2018
Instrument	411542
Transaction Type	Transfer
Record Updated	Nov 18, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	920 W MAIN ST # 2, 2, MOREHEAD, KY 40351-1448

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49 RIDGEWAY DR, MOREHEAD, KY 40351-9251

Mortgage

Document Number	0000411543
Date	Oct 9, 2018
Instrument	411543

Lender

Name	TRADITIONAL BANK INC
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2033

Tax Assessment & Valuation

Source: Rowan County assessment roll, as of November 18, 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	$579.00 (-1.7%)	$69,200 (-) Land $15,000 Building $54,200	$69,200 (-) Land $15,000 Building $54,200
2023	$589.00	$69,200 Land $15,000 Building $54,200	$69,200 Land $15,000 Building $54,200

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	6 in force
Nearby Flood Claims	1 (2018)
Most Recent Claim	Sep 2018 · river or lake flooding

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 78 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

Cell Coverage

5G and 4G LTE (outdoors only)

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