55 Chestnut Ln, Morehead, KY 40351 Property Records

Rowan County property record for 55 Chestnut Ln, Morehead, KY 40351

Property Summary

Property Type	Mobile Home
Details	1 ba · 1,280 sqft · built 2002
Lot Size	0.324 acres (14,116 sqft)
Owner	2 Individual Names on Record
Last Sale	$136,500 (Apr 2023)
Tax Bill	$1,142 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Apr 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`029-30 00 034.00`

Property Details

APN / Parcel Number

Primary APN	`029-30 00 034.00`
Alternative APNs	`11433` `1686` `1786`

Interior

Full Baths	1 Bath
Building Area	1,280 sqft Living Area

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Mobile Home
Lot Area	14,116 sqft (0.324 acres)

Location & Zoning

Account Number	1786
Street Address	55 CHESTNUT LN
City	MOREHEAD
State	KY
Zip	40351-7714
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	2002 32X40 DW & LOT #185 SEC II PINE HILLS
Legal Subdivision	PINE HILLS
Legal Lot Number	185
Jurisdiction	ROWAN KY
Township / Civil Division	HILDA-TRIPLETT
Census Block Group	4
Census Block	4002
Census Tract	950100

Owner

Source: Rowan County records, as of January 21, 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	55 CHESTNUT LN, MOREHEAD, KY 40351-7714
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2026	Deed of Trust, Mortgage · FHA Mortgage UNION HOME MORTGAGE CORP
Apr 17, 2023	Deed, Transfer · FHA Mortgage UNION HOME MORTGAGE CORP
Sep 20, 2021	Deed, Transfer · Conventional Mortgage REPUBLIC STATE MORTGAGE CO
Sep 14, 2017	Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2023 · Amount on Record
Deed Sale	Apr 17, 2023 · Amount on Record
Prior Sale	Jan 10, 2022 · Amount on Record
Deed Document Number	20232022353
Deed Book / Page	287 / 481
Prior Transfer Date	Aug 17, 2015
Prior Transfer Doc	00D258/019
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	55 CHESTNUT LN, MOREHEAD, KY 40351-7714
Transaction Type	Mortgage
Record Updated	Jan 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 CHESTNUT LN, MOREHEAD, KY 40351-7714

Mortgage

Document Number	00A488/558
Date	Jan 6, 2026
Book Page	A488/558
Instrument	2043168

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2056

April 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Apr 17, 2023
Property Address	55 CHESTNUT LN, MOREHEAD, KY 40351-7714
Document Number	00D287/481
Book / Page	D287 / 481
Map Reference	MB 3 PG 34
Instrument Date	Mar 31, 2023
Instrument	2022353
Transaction Type	Transfer
Record Updated	Jun 28, 2023
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$136.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	180 FLORIDA BLVD, MERRITT ISLAND, FL 32953-3011

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	55 CHESTNUT LN, MOREHEAD, KY 40351-7714

Mortgage

Document Number	0002022356
Date	Apr 17, 2023
Instrument	2022356

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2053

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Sep 20, 2021
Property Address	55 CHESTNUT LN, MOREHEAD, KY 40351-7714
Document Number	D281/312
Book / Page	D281 / 312
Map Reference	MB 3 PG 34
Instrument Date	Sep 17, 2021
Instrument	2012199
Transaction Type	Transfer
Record Updated	Sep 30, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$97.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	835 ROCKDALE ST, 835, ROCK HILL, SC 29730-6222

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	55 CHESTNUT LN, MOREHEAD, KY 40351-7714

Mortgage

Document Number	2012200
Date	Sep 20, 2021
Instrument	2012200

Lender

Name	REPUBLIC STATE MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

Mortgage

Document Number	A440/47
Date	Sep 20, 2021
Book Page	A440/47
Instrument	2012201

Lender

Name	LEXINGTON-FAYETTE URBAN COUNTY GOV
Type	Government Agency
Address	FRANKFORT, KY 40601

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

September 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Sep 14, 2017
Property Address	55 CHESTNUT LN, MOREHEAD, KY 40351-7714
Document Number	00D265/377
Book / Page	D265 / 377
Map Reference	CAB1 SL179
Instrument Date	Sep 1, 2017
Instrument	406539
Transaction Type	Transfer
Record Updated	Jan 4, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$80.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	219 DELAWARE AVE, 219, LONDON, OH 43140-1175

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 CHESTNUT LN, MOREHEAD, KY 40351-7714

Tax Assessment & Valuation

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	$1,142.00 (+21.88%)	$136,500 (+24.09%) Land $15,000 Building $121,500	$136,500 (+24.09%) Land $15,000 Building $121,500
2023	$937.00 (+11.81%)	$110,000 (+13.29%) Land $15,000 Building $95,000	$110,000 (+13.29%) Land $15,000 Building $95,000
2022	$838.00	$97,100 Land $15,000 Building $82,100	$97,100 Land $15,000 Building $82,100

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

Flood

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	2 in force
Nearby Flood Claims	1 (2026)
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

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	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 57 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

May also be available: Verizon.

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