528 Whitaker St, Morehead, KY 40351 Property Records

Rowan County property record for 528 Whitaker St, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,376 sqft · built 1971
Lot Size	0.297 acres (12,954 sqft)
Owner	Individual Name on File
Last Sale	$254,000 (Mar 2026)
Tax Bill	$1,866 (2025)
Deeds & Mortgages	Feb 2011 Mortgage Mar 2026 Sale & Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`045-30 00 075.00`

Property Details

APN / Parcel Number

Primary APN	`045-30 00 075.00`
Alternative APNs	`8873` `8918` `9393`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,376 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,954 sqft (0.297 acres)
Garage Type	Attached
Garage Area	528 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	9393
Street Address	528 WHITAKER ST
City	MOREHEAD
State	KY
Zip	40351-8824
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & LOT #6 HIDDEN VALLEY
Legal Subdivision	HIDDEN VALLEY
Legal Lot Number	6
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	1
Census Block	1000
Census Tract	950201

Owner

528 Whitaker St is owned and occupied by an individual who bought it in March 2026.

Source: Rowan County records, as of April 8, 2026

Owner of Record	Individual Name on File
Mailing Address	528 WHITAKER ST, MOREHEAD, KY 40351-8824
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

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
Feb 24, 2011	Deed of Trust, Mortgage THE CITIZENS BANK
Mar 24, 2026	Deed, Construction Loan · Construction Mortgage THE CITIZENS BANK
Jul 27, 2021	Deed, Transfer
Feb 24, 2021	Commissioner's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 24, 2026 · Amount on File
Deed Sale	Mar 24, 2026 · Amount on File
Prior Sale	Jul 17, 2025 · Amount on File
Deed Document Number	20262045484
Deed Book / Page	299 / 118
Record Updated	Jun 8, 2026

February 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	528 WHITAKER ST, MOREHEAD, KY 40351-8824
Transaction Type	Mortgage
Record Updated	Apr 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	679 WHITAKER ST, MOREHEAD, KY 40351-8830
Investor	Possibly a Property Investor

Mortgage

Document Number	A310/220225
Date	Feb 24, 2011
Book Page	A310/220-225
Instrument	371371

Lender

Name	THE CITIZENS BANK
Address	MOREHEAD, KY 40351

Agreement

Amount	Amount on Record
Term	12 Months
Due	Feb 23, 2012

March 2026: Deed, Construction Loan

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Mar 24, 2026
Property Address	528 WHITAKER ST, MOREHEAD, KY 40351-8824
Document Number	00D299/118
Book / Page	D299 / 118
Map Reference	MB 2 PG 15
Instrument Date	Mar 19, 2026
Instrument	2045484
Transaction Type	Construction Loan
Record Updated	Apr 15, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$254.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11477 S LIZZI CV, SOUTH JORDAN, UT 84095-7972

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 WHITAKER ST, MOREHEAD, KY 40351-8824

Mortgage

Document Number	0002045488
Date	Mar 24, 2026
Instrument	2045488

Lender

Name	THE CITIZENS BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	120 Months
Due	Mar 19, 2036

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Jul 27, 2021
Property Address	528 WHITAKER ST, MOREHEAD, KY 40351-8824
Document Number	D280/588
Book / Page	D280 / 588
Instrument Date	Jul 24, 2021
Instrument	2010960
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Amount	Amount on Record
Tax	$223.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	150 STONEBROOK DR, 150, MOREHEAD, KY 40351-1846

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	528 WHITAKER ST, MOREHEAD, KY 40351-8824

February 2021: Commissioner's Deed, Foreclosure

Document Type	Commissioner's Deed
Jurisdiction	ROWAN KY
Recording Date	Feb 24, 2021
Property Address	528 WHITAKER ST, MOREHEAD, KY 40351-8824
Document Number	D278/657
Book / Page	D278 / 657
Map Reference	MB 2 PG 15
Instrument Date	Feb 5, 2021
Instrument	2008330
Transaction Type	Foreclosure
Record Updated	Nov 25, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	150R STONEBROOK DR, MOREHEAD, KY 40351-1846

Tax Assessment & Valuation

The 2025 property tax bill for 528 Whitaker St was $1,866.

Source: Rowan County assessment roll, as of November 18, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Rowan County
Municipality	Morehead City
Unified School District	Rowan County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,866.00	$223,000 Land $20,000 Building $203,000	$223,000 Land $20,000 Building $203,000
2023	$1,899.00	$223,000 Land $20,000 Building $203,000	$223,000 Land $20,000 Building $203,000

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

Flood

FEMA maps place 528 Whitaker St in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 528 Whitaker St 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	Direct burnable vegetation

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 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.

Nearby Properties on Whitaker St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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