50 Cumberland Dr, Morehead, KY 40351 Property Records

Rowan County property record for 50 Cumberland Dr, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Owner	2 Individual Names on File
Last Sale	$350,000 (Sep 2024)
Tax Bill	$2,929 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Sep 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`011-00 00 057.45`

Property Details

APN / Parcel Number

Primary APN	`011-00 00 057.45`
Alternative APNs	`3163` `3196` `9946`

Location & Zoning

Account Number	9946
Street Address	50 CUMBERLAND DR
City	MOREHEAD
State	KY
Zip	40351-7672
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & LOT #45 PHASE 4 UNIT 2 DOGWOOD EST
Legal Subdivision	DOGWOOD ESTATES
Legal Phase	4
Legal Lot Number	45
Legal Unit	2
Jurisdiction	ROWAN KY
Township / Civil Division	HILDA-TRIPLETT
Census Block Group	3
Census Block	3007
Census Tract	950100

Owner

50 Cumberland Dr is owned and occupied by two individuals who bought it in September 2024.

Source: Rowan County records, as of April 3, 2026

Owner of Record	2 Individual Names on File
Mailing Address	50 CUMBERLAND DR, MOREHEAD, KY 40351-7672
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2026	Deed of Trust, Mortgage · VA Mortgage CENTRAL MORTGAGE FUNDING LLC
Sep 3, 2024	Warranty Deed, Transfer · Conventional Mortgage REPUBLIC BANK & TRUST CO
Jun 24, 2022	Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
May 8, 2022	Correction Deed

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 3, 2024 · Amount on File
Deed Sale	Sep 3, 2024 · Amount on File
Deed Document Number	20242031834
Deed Book / Page	293 / 63
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	50 CUMBERLAND DR, MOREHEAD, KY 40351-7672
Transaction Type	Mortgage
Record Updated	Apr 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A491/595
Date	Mar 23, 2026
Book Page	A491/595
Instrument	2045388

Lender

Name	CENTRAL MORTGAGE FUNDING LLC
Type	Mortgage Company
Address	CAMPBELLSVILLE, KY 42718

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

September 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN KY
Recording Date	Sep 3, 2024
Property Address	50 CUMBERLAND DR, MOREHEAD, KY 40351-7672
Document Number	000D293/63
Book / Page	D293 / 63
Map Reference	CAB 2 SL 63
Instrument Date	Aug 23, 2024
Instrument	2031834
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$350.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	122 BLUESTONE RD, MOREHEAD, KY 40351-8030

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	50 CUMBERLAND DR, MOREHEAD, KY 40351-7672

Mortgage

Document Number	0002031837
Date	Sep 3, 2024
Instrument	2031837

Lender

Name	REPUBLIC BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2054

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Jun 24, 2022
Property Address	50 CUMBERLAND DR, MOREHEAD, KY 40351-7672
Document Number	00D284/519
Book / Page	D284 / 519
Map Reference	CAB 2 SL 63
Instrument Date	Jun 17, 2022
Instrument	2017579
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$330.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1690 SHARKEY RD, MOREHEAD, KY 40351-9721

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	50 CUMBERLAND DR, MOREHEAD, KY 40351-7672
Investor	Possibly a Property Investor

Mortgage

Document Number	0002017581
Date	Jun 24, 2022
Instrument	2017581

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

May 2022: Correction Deed

Document Type	Correction Deed
Jurisdiction	ROWAN KY
Recording Date	May 8, 2022
Property Address	50 CUMBERLAND DR, MOREHEAD, KY 40351-7672
Document Number	00D283/873
Book / Page	D283 / 873
Map Reference	CAB 2 SL 63
Instrument Date	Apr 28, 2022
Instrument	2016714
Record Updated	Jan 20, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 906, MOREHEAD, KY 40351-0906

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	355 HICKORY DR, MOREHEAD, KY 40351-7788

Tax Assessment & Valuation

The 2025 property tax bill for 50 Cumberland Dr was $2,929.

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	$2,929.00	$350,000 Land $37,500 Building $312,500	$350,000 Land $37,500 Building $312,500
2023	$2,809.00	$329,800 Land $37,500 Building $292,300	$329,800 Land $37,500 Building $292,300

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

Flood

FEMA maps place 50 Cumberland Dr in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2003.

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	6 (2003–2026)
Claims Outside the SFHA	5 of 6
Most Recent Claim	May 2026 · 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

Wildfire risk around 50 Cumberland Dr is low, with a 0.03% annual chance of 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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Windstream DSL	200 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Cumberland Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures