Rowan County property record for 515 Whitaker St, Morehead, KY 40351
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,612 sqft |
| Lot Size | 0.353 acres (15,377 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $99,000 (Apr 2011) |
| Tax Bill | $1,214 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 045-30 00 070.00 |
| Primary APN | 045-30 00 070.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,612 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 15,377 sqft (0.353 acres) |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Account Number | 5631 |
|---|---|
| Street Address | 515 WHITAKER ST |
| City | MOREHEAD |
| State | KY |
| Zip | 40351-8825 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HSE & LOT 15 HIDDEN VALLEY HV-2-1A |
| Legal Subdivision | HIDDEN VALLEY |
| Legal Lot Number | 15 |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 950201 |
Source: Rowan County records, as of May 1, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 515 WHITAKER ST, MOREHEAD, KY 40351-8825 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 20, 2011 · Amount on Record |
| Deed Sale | Apr 20, 2011 · Amount on Record |
| Deed Document Number | 2011372117 |
| Deed Book / Page | 239 / 179 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Recording Date | Apr 21, 2026 |
| Property Address | 515 WHITAKER ST, MOREHEAD, KY 40351-8825 |
| Document Number | 0002046155 |
| Book / Page | 493 / 48 |
| Instrument Date | Apr 9, 2026 |
| Instrument | 20262046155 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 515 WHITAKER ST, MOREHEAD, KY 40351-8825 |
| Document Number | 0002046155, |
|---|---|
| Date | Apr 21, 2026 |
| Book Page | 493/48 |
| Instrument | 20262046155 |
| Name | MOREHEAD COMMUNITY FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.11% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
Source: Rowan County assessment roll, as of November 18, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Rowan County |
| Municipality | Morehead City |
| Unified School District | Rowan County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,214.00 (+37.95%) | $145,100 (+40.33%) Land $20,000 Building $125,100 | $145,100 (+40.33%) Land $20,000 Building $125,100 |
| 2023 | $880.00 | $103,400 Land $20,000 Building $83,400 | $103,400 Land $20,000 Building $83,400 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; 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 | 0.03% 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 67 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 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile.
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