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5000 Rockfork Rd, Morehead, KY 40351 Property Records

Rowan County property record for 5000 Rockfork Rd, Morehead, KY 40351 · Last verified November 2025

Property Summary

Property TypeRural Home
OwnerIndividual Name on File
Last Sale$425,000 (Jul 2025)
Tax Bill$1,579 (2025)
Deeds & MortgagesOct 2025 Line of Credit
Jul 2025 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN038-00 00 004.03

Property Details

APN / Parcel Number

Primary APN038-00 00 004.03
Alternative APNs
  • 2466
  • 2500
  • 2642

Location & Zoning

Account Number2642
Street Address5000 ROCKFORK RD
CityMOREHEAD
StateKY
Zip40351-7632
Property CategoryResidential
Property TypeResidential > Single Family > Rural Home
Legal DescriptionHOUSE & 20.849 ROCK FORK ROAD
JurisdictionROWAN KY
Township / Civil DivisionHILDA-TRIPLETT
Census Block Group1
Census Block1012
Census Tract950100

Owner

Source: Rowan County records · APN 038-00 00 004.03

Assessment roll updated 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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address5000 ROCKFORK RD, MOREHEAD, KY 40351-7632
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 23, 2025Deed of Trust, Mortgage · Line of Credit
COASTAL COMMUNITY BANK
Jul 16, 2025Warranty Deed, Transfer · Conventional Mortgage
RUOFF MORTGAGE COMPANY INC
May 06, 2019Deed, Transfer · Commercial Mortgage
THE COMMERCIAL BANK OF GRAYSON

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 16, 2025 · Amount on Record
Deed SaleJul 16, 2025 · Amount on Record
Prior SaleMay 06, 2019 · Amount on Record
Deed Document Number2039001
Deed Book / PageD296 / 305
Record UpdatedJun 08, 2026

October 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionROWAN KY
Property Address5000 ROCKFORK RD, MOREHEAD, KY 40351-7632
Transaction TypeMortgage
Record UpdatedNov 11, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address5000 ROCKFORK RD, MOREHEAD, KY 40351-7632

Mortgage

Document Number00A486/169
DateOct 23, 2025
Book PageA486/169
Instrument2041481
Lender
NameCOASTAL COMMUNITY BANK
TypeBank
AddressCAMPBELL, CA 95008
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

July 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionROWAN KY
Recording DateJul 16, 2025
Property Address5000 ROCKFORK RD, MOREHEAD, KY 40351-7632
Document Number00D296/305
Book / PageD296 / 305
Instrument DateJul 11, 2025
Instrument2039001
Transaction TypeTransfer
Record UpdatedNov 18, 2025
Title CompanyTREY TITLE LLC, TRUE TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$425.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address350 HAZEL TREE LN, MOREHEAD, KY 40351-7737

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRight of Survivorship
Address5000 ROCKFORK RD, MOREHEAD, KY 40351-7632

Mortgage

Document Number0002039005
DateJul 16, 2025
Instrument2039005
Lender
NameRUOFF MORTGAGE COMPANY INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueAug 01, 2040

May 2019: Deed, Transfer

Document TypeDeed
JurisdictionROWAN KY
Recording DateMay 06, 2019
Property Address5000 ROCKFORK RD, MOREHEAD, KY 40351-7632
Document Number00D271/613
Book / PageD271 / 613
Instrument DateApr 26, 2019
Instrument413891
Transaction TypeTransfer
Record UpdatedNov 27, 2023

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$195.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address5000 ROCKFORK RD, MOREHEAD, KY 40351-7632

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRight of Survivorship
Address77 HAWK HAVEN DR, MOREHEAD, KY 40351-6035

Mortgage

Document Number0000413892
DateMay 06, 2019
Instrument413892
Lender
NameTHE COMMERCIAL BANK OF GRAYSON
TypeBank
Agreement
TypeCommercial Mortgage
AmountAmount Recorded
Term359 Months
DueApr 26, 2049

Tax Assessment & Valuation

Source: Rowan County records · Assessment roll updated April 1, 2025 · Last verified November 2025

Property Jurisdictions

TypeName
StateKentucky
CountyRowan County
Unified School DistrictRowan County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$1,579.00 (-1.74%)$188,650 (-) Land $188,650$252,000 (-) Land $76,500 Building $175,500
2023$1,607.00$188,650 Land $188,650$252,000 Land $76,500 Building $175,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Rowan County (21205C), updated April 18, 2011 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 212059501001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance CostPremium on Record
median of 16 individual NFIP policies nearby
Community Rating SystemClass 10 (0% premium discount)
Nearby Flood Policies16 in force
Nearby Flood Claims10 (2001–2017)
Claims Outside the SFHA5 of 10
Most Recent ClaimJun 2017, river or lake flooding
Claims By Storm
  • Severe Storms, Flooding, And Mudslides, Jul 2010 · 2 claims
  • Severe Storms, Flooding, Mud And Rock Slides, And Tornadoes, May 2003 · 2 claims

Wildfire

Wildfire RiskLow
above 32% of the US · above 66% of Kentucky
Wildfire LikelihoodAbout 1 in 2,500 per year
ExposureDirect
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 2 locations within about half a mile of this property, a small sample

ProviderTechnologyDownload / Upload (Mbps)
Uniti GroupDSL10 / 1
StarlinkSatellite (low-earth orbit)280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

No mobile data coverage reported

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