Rowan County property record for 495 Rockfork Rd, Morehead, KY 40351
| Property Type | Single Family Home |
|---|---|
| Details | 1,540 sqft · built 1993 |
| Owner | Individual Name on Record |
| Tax Bill | $421 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 075-00 00 039.16 |
| Primary APN | 075-00 00 039.16 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,540 sqft Living Area |
| Year Built | Built 1993 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Account Number | 4382 |
|---|---|
| Street Address | 495 ROCKFORK RD |
| City | MOREHEAD |
| State | KY |
| Zip | 40351-8952 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1.187 A & HOUSE GAR ADDITION MTL BLDG ROCK FORK RD |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | HILDA-TRIPLETT |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 950100 |
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 |
|---|---|
| Mailing Address | 495 ROCKFORK RD, MOREHEAD, KY 40351-8952 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Mar 23, 2009 |
| Transfer Doc | 00D232/321 |
| Record Updated | Jun 8, 2026 |
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 | $421.00 (-6.86%) Homeowner's exemption | $99,500 (-) Land $10,000 Building $89,500 | $99,500 (-) Land $10,000 Building $89,500 |
| 2023 | $452.00 Homeowner's exemption | $99,500 Land $10,000 Building $89,500 | $99,500 Land $10,000 Building $89,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record median of 16 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 10 (2001–2017) |
| Claims Outside the SFHA | 5 of 10 |
| Most Recent Claim | Jun 2017 · 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.
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 | 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 54 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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