Rowan County property record for 581 McBrayer Rd, Clearfield, KY 40313 · Last verified November 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,596 sqft |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $928 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 081-10 00 196.01 |
| Primary APN | 081-10 00 196.01 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,596 sqft Living Area |
| Exterior Material | Other |
|---|---|
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 87,120 sqft (2 acres) |
| Heating Fuel | Gas |
|---|
| Account Number | 9445 |
|---|---|
| Street Address | 581 MCBRAYER RD |
| City | CLEARFIELD |
| State | KY |
| Zip | 40313-9795 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & 2 ACRES MCBRAYER ROAD |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 1 |
| Census Block | 1072 |
| Census Tract | 950301 |
Source: Rowan County records · APN 081-10 00 196.01
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 Record | Individual Name on File |
|---|---|
| Mailing Address | 581 MCBRAYER RD, CLEARFIELD, KY 40313-9795 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Deed Document Number | 0000222267 |
| Record Updated | Jun 08, 2026 |
Source: Rowan County records · Assessment roll updated April 1, 2025 · Last verified November 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Rowan County |
| Unified School District | Rowan County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $928.00 (-4.13%) Homeowner's exemption | $160,000 (-) Land $12,500 Building $147,500 | $160,000 (-) Land $12,500 Building $147,500 |
| 2023 | $968.00 Homeowner's exemption | $160,000 Land $12,000 Building $148,000 | $160,000 Land $12,000 Building $148,000 |
Source: FEMA National Flood Hazard Layer, Rowan County (21205C), updated April 18, 2011 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 212059503011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Special Flood Hazard Area | Yes |
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Flood Insurance Cost | Premium on Record median of 94 individual NFIP policies nearby |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 94 in force |
| Nearby Flood Claims | 39 (2002–2018) |
| Claims Outside the SFHA | 1 of 39 |
| Most Recent Claim | Sep 2018, tidal / storm surge |
| Claims By Storm |
|
| Wildfire Risk | Low above 20% of the US · above 37% of Kentucky |
|---|---|
| Wildfire Likelihood | About 1 in 4,762 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 262 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Uniti Group | Fiber | 2,000 / 2,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
May also be available at this address: Uniti Group, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.
5G and 4G LTE
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