Rowan County property record for 595 Romans Rd, Morehead, KY 40351
| Property Type | Rural Home |
|---|---|
| Details | 4 bd · 3 ba · 3,912 sqft · built 2008 |
| Lot Size | 180 acres (7,840,800 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,447 (2025) |
| Deeds & Mortgages | Aug 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 020-00 00 037.00 |
| Primary APN | 020-00 00 037.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,912 sqft Living Area |
| Year Built | Built 2008 |
|---|---|
| Exterior Material | Composition/Composite |
| Foundation Type | Block |
| Lot Area | 7,840,800 sqft (180 acres) |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 6734 |
|---|---|
| Street Address | 595 ROMANS RD |
| City | MOREHEAD |
| State | KY |
| Zip | 40351-8917 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | 180 ACRES+- LOT & HOUSE OFF MOORES FLAT |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 950201 |
595 Romans Rd, a rural home, is owned and occupied by two individuals who acquired it in June 2008.
Source: Rowan County records, as of November 17, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 129 E MAIN ST, MOREHEAD, KY 40351-1657 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 24, 2008 |
| Deed Sale | Jun 24, 2008 |
| Deed Document Number | 358933 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Property Address | 595 ROMANS RD, MOREHEAD, KY 40351-8917 |
| Transaction Type | Mortgage |
| Record Updated | Nov 18, 2025 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 00A408/362 |
|---|---|
| Date | Aug 6, 2019 |
| Book Page | A408/362 |
| Instrument | 2000808 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Address | MOREHEAD, KY 40351 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Jul 31, 2024 |
The 2025 property tax bill for 595 Romans Rd was $2,447 with a homeowner's exemption.
Source: Rowan County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Rowan County |
| Unified School District | Rowan County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,447.00 Homeowner's exemption | $341,225 Land $341,225 | $448,000 Land $448,000 |
| 2023 | $2,514.00 Homeowner's exemption | $341,225 Land $341,225 | $448,000 Land $448,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 595 Romans Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 18 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 18 in force |
| Nearby Flood Claims | 9 (2002–2015) |
| Most Recent Claim | May 2015 · river or lake flooding |
| Claims by Event |
|
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 risk around 595 Romans Rd 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 67% of the US · above 66% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
5G and 4G LTE (outdoors only)
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