55 Debra Ct, Clearfield, KY 40313 Property Records

Rowan County property record for 55 Debra Ct, Clearfield, KY 40313

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,554 sqft · built 1998
Owner	Individual Name on File
Last Sale	$479,000 (Jun 2022)
Tax Bill	$3,590 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Jun 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`064-00 00 068.00`

Property Details

APN / Parcel Number

Primary APN	`064-00 00 068.00`
Alternative APNs	`4998` `5000` `5275`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,554 sqft Living Area

Exterior

Year Built	Built 1998
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle

Location & Zoning

Account Number	5275
Street Address	55 DEBRA CT
City	CLEARFIELD
State	KY
Zip	40313-9507
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE DET GAR & LOT 10, 11 & 9 OF BLOCK A PACK EST 64-69 & 64-6.01
Legal Subdivision	PACK ESTATES
Legal Block	A
Legal Lot Number	9-11
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	2
Census Block	2015
Census Tract	950302

Owner

55 Debra Ct is owned and occupied by an individual who bought it in June 2022.

Source: Rowan County records, as of November 17, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	55 DEBRA CT, CLEARFIELD, KY 40313-9507
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage KENTUCKY BANK
Jun 28, 2022	Deed, Transfer · Conventional Mortgage REPUBLIC STATE MORTGAGE CO
Jun 27, 2022	Deed, Transfer · Conventional Mortgage REPUBLIC STATE MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2022 · Amount on File
Deed Sale	Jun 28, 2022 · Amount on File
Deed Document Number	2017590
Deed Book / Page	D284 / 532
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	55 DEBRA CT, CLEARFIELD, KY 40313-9507
Transaction Type	Mortgage
Record Updated	Jan 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A425/366
Date	Oct 22, 2020
Book Page	A425/366
Instrument	2006949

Lender

Name	KENTUCKY BANK
Type	Bank
Address	PARIS, KY 40361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2035

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Jun 28, 2022
Property Address	55 DEBRA CT, CLEARFIELD, KY 40313-9507
Document Number	00D284/532
Book / Page	D284 / 532
Map Reference	CAB 1 SL 152
Instrument Date	Jun 22, 2022
Instrument	2017590
Transaction Type	Transfer
Record Updated	Jan 2, 2024
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1050 MCBRAYER RD, CLEARFIELD, KY 40313-9758

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	55 DEBRA CT, CLEARFIELD, KY 40313-9507

Mortgage

Document Number	0002017594
Date	Jun 28, 2022
Instrument	2017594

Lender

Name	REPUBLIC STATE MORTGAGE CO
Type	Mortgage Company

Agreement

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

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Jun 27, 2022
Property Address	55 DEBRA CT, CLEARFIELD, KY 40313-9507
Document Number	00D284/532
Book / Page	D284 / 532
Map Reference	MB 3 PG 7
Instrument Date	Jun 22, 2022
Instrument	2017590
Transaction Type	Transfer
Record Updated	Feb 21, 2023
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1050 MCBRAYER RD, CLEARFIELD, KY 40313-9758

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	55 DEBRA CT, CLEARFIELD, KY 40313-9507

Mortgage

Document Number	0002017594
Date	Jun 27, 2022
Instrument	2017594

Lender

Name	REPUBLIC STATE MORTGAGE CO
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 55 Debra Ct was $3,590.

Source: Rowan County assessment roll, as of April 1, 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	$3,590.00	$429,000 Land $40,000 Building $389,000	$429,000 Land $40,000 Building $389,000
2023	$3,655.00	$429,000 Land $40,000 Building $389,000	$429,000 Land $40,000 Building $389,000

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

Flood

FEMA maps place 55 Debra Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2010.

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
Flood Insurance Cost	Premium on File median of 16 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	1 (2010)
Most Recent Claim	May 2010 · Severe Storms, Flooding, Mudslides, And Tornadoes

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 55 Debra Ct is low, with a 0.04% 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	0.04% 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 75 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

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