610 Knapp Ave, Morehead, KY 40351 Property Records

Rowan County property record for 610 Knapp Ave, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,433 sqft · built 1993
Lot Size	3.72 acres (162,043 sqft)
Owner	2 Individual Names on File
Last Sale	$324,000 (Oct 2021)
Tax Bill	$2,711 (2025)
Deeds & Mortgages	May 2026 Line of Credit Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`062-30 00 028.00`

Property Details

APN / Parcel Number

Primary APN	`062-30 00 028.00`
Alternative APNs	`10110` `10182` `10705`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,433 sqft Living Area
Basement Area	528 sqft
Finished Basement	528 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	162,043 sqft (3.72 acres)
Garage Type	Carport
Carport	Carport

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	10705
Street Address	610 KNAPP AVE
City	MOREHEAD
State	KY
Zip	40351-1128
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & LAND KNAPP AVE
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	3
Census Block	3002
Census Tract	950202

Owner

610 Knapp Ave is owned and occupied by two individuals who bought it in October 2021.

Source: Rowan County records, as of June 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	610 KNAPP AVE, MOREHEAD, KY 40351-1128
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
May 28, 2026	Deed of Trust, Mortgage · Line of Credit MOREHEAD COMMUNITY FEDERAL CREDIT UNION
Oct 21, 2021	Deed, Transfer · Conventional Mortgage ENVOY MORTGAGE LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 21, 2021 · Amount on File
Deed Sale	Oct 21, 2021 · Amount on File
Prior Sale	Jul 15, 2014 · Amount on File
Deed Document Number	20212013093
Deed Book / Page	281 / 716
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Recording Date	May 28, 2026
Property Address	610 KNAPP AVE, MOREHEAD, KY 40351-1128
Document Number	0002047123
Book / Page	494 / 230
Instrument Date	Apr 30, 2026
Instrument	20262047123
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	610 KNAPP AVE, MOREHEAD, KY 40351-1128

Mortgage

Document Number	0002047123,
Date	May 28, 2026
Book Page	494/230
Instrument	20262047123

Lender

Name	MOREHEAD COMMUNITY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.46%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Oct 21, 2021
Property Address	610 KNAPP AVE, MOREHEAD, KY 40351-1128
Document Number	D281/716
Book / Page	D281 / 716
Instrument Date	Oct 20, 2021
Instrument	2013093
Transaction Type	Transfer
Record Updated	Nov 3, 2021
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	$374.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2222 EASTERN AVE APT 1, 2222, COVINGTON, KY 41014-1505

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	610 KNAPP AVE, MOREHEAD, KY 40351-1128

Mortgage

Document Number	2013096
Date	Oct 21, 2021
Instrument	2013096

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 610 Knapp Ave was $2,711.

Source: Rowan County assessment roll, as of November 18, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Rowan County
Municipality	Morehead City
Unified School District	Rowan County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,711.00	$324,000 Land $40,000 Building $284,000	$324,000 Land $40,000 Building $284,000
2023	$2,760.00	$324,000 Land $40,000 Building $284,000	$324,000 Land $40,000 Building $284,000

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

Flood

FEMA maps place 610 Knapp Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 18, 2011

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 610 Knapp Ave 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 66% 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.

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 58 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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