60 Ridgeway Dr, Morehead, KY 40351 Property Records

Rowan County property record for 60 Ridgeway Dr, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Lot Size	0.586 acres (25,531 sqft)
Owner	2 Individual Names on Record
Last Sale	$99,900 (Mar 2026)
Tax Bill	$212 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Jun 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`022-00 00 020.35`

Property Details

APN / Parcel Number

Primary APN	`022-00 00 020.35`
Alternative APNs	`3444` `3478` `3655`

Exterior

Architectural Style	Mobile Home
Lot Area	25,531 sqft (0.586 acres)

Location & Zoning

Account Number	3655
Street Address	60 RIDGEWAY DR
City	MOREHEAD
State	KY
Zip	40351
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 59 LAKEWOOD ACRES & MH
Legal Subdivision	LAKEWOOD ACRES
Legal Lot Number	59
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	3
Census Block	3010
Census Tract	950302

Owner

Source: Rowan County records, as of July 7, 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	500 SUGAR LOAF MOUNTAIN RD, MOREHEAD, KY 40351-9177
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2026	Deed, Transfer · Non-Conforming Investor Loan FIRST NATIONAL BANK OF GRAYSON
Jun 22, 2026	Deed of Trust, Mortgage · Line of Credit GRAYSON NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2026 · Amount on Record
Deed Sale	Mar 24, 2026 · Amount on Record
Deed Document Number	20262045434
Deed Book / Page	299 / 112
Record Updated	Sep 20, 2026

March 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Mar 24, 2026
Property Address	60 RIDGEWAY DR, MOREHEAD, KY 40351
Document Number	00D299/112
Book / Page	D299 / 112
Map Reference	CAB 1 SL 406
Instrument Date	Mar 20, 2026
Instrument	2045434
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11749 MANOR LAKE DR, INDEPENDENCE, KY 41051-9716

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	500 SUGAR LOAF MOUNTAIN RD, MOREHEAD, KY 40351-9177

Mortgage

Document Number	0002045435
Date	Mar 24, 2026
Instrument	2045435

Lender

Name	FIRST NATIONAL BANK OF GRAYSON
Type	Bank

Agreement

Type	Non-Conforming Investor Loan
Amount	Amount Recorded
Term	240 Months
Due	Mar 20, 2046

Interest

Rate Type	Adjustable Rate

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Recording Date	Jun 22, 2026
Property Address	60 RIDGEWAY DR, MOREHEAD, KY 40351
Document Number	0002047819
Book / Page	495 / 113
Instrument Date	Mar 20, 2026
Instrument	20262047819
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	500 SUGAR LOAF MOUNTAIN RD, MOREHEAD, KY 40351-9177

Mortgage

Document Number	0002047819,
Date	Jun 22, 2026
Book Page	495/113
Instrument	20262047819

Lender

Name	GRAYSON NATIONAL BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Mar 20, 2046

Interest

Rate Type	Adjustable Rate
Rate	6.01%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

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	$212.00 (-1.4%)	$25,350 (-) Land $15,000 Building $10,350	$25,350 (-) Land $15,000 Building $10,350
2023	$215.00	$25,350 Land $15,000 Building $10,350	$25,350 Land $15,000 Building $10,350

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	6 in force
Nearby Flood Claims	1 (2018)
Most Recent Claim	Sep 2018 · 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 78 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

Cell Coverage

5G and 4G LTE (outdoors only)

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