615 Whitaker St, Morehead, KY 40351 Property Records

Rowan County property record for 615 Whitaker St, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,868 sqft · built 1970
Owner	Company Name on Record
Tax Bill	$1,340 (2025)
Deeds & Mortgages	Aug 2019 Mortgage May 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`045-40 00 041.00`

Property Details

APN / Parcel Number

Primary APN	`045-40 00 041.00`
Alternative APNs	`6562` `6567` `9955`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,868 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Block
Roof Material	Composition Shingle

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	9955
Street Address	615 WHITAKER ST
City	MOREHEAD
State	KY
Zip	40351-8829
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & LOT HIDDEN VALLEY
Legal Subdivision	HIDDEN VALLEY
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	1
Census Block	1000
Census Tract	950201

Owner

Source: Rowan County records, as of January 19, 2026

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	Company Name on Record
Mailing Address	413 TREMONT LN, WINCHESTER, KY 40391-2948
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 29, 2019	Deed of Trust, Mortgage · Commercial Mortgage PEOPLES EXCHANGE BANK (STANTON KY
May 18, 2023	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 18, 2023
Deed Sale	May 18, 2023
Prior Sale	Apr 25, 2014 · Amount on Record
Deed Document Number	2022858
Deed Book / Page	D287 / 791
Record Updated	Jun 8, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	615 WHITAKER ST, MOREHEAD, KY 40351-8829
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00A409/205
Date	Aug 29, 2019
Book Page	A409/205
Instrument	2001144

Lender

Name	PEOPLES EXCHANGE BANK (STANTON KY
Type	Bank
Address	WINCHESTER, KY 40391

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 27, 2039

Interest

Rate Type	Adjustable Rate

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	May 18, 2023
Property Address	615 WHITAKER ST, MOREHEAD, KY 40351-8829
Document Number	00D287/791
Book / Page	D287 / 791
Map Reference	MB 2 PG 15
Instrument Date	May 15, 2023
Instrument	2022858
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 TREMONT LN, WINCHESTER, KY 40391-2948

Tax Assessment & Valuation

Source: Rowan County assessment roll, as of April 1, 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	$1,340.00 (+39.87%)	$160,100 (+42.31%) Land $20,000 Building $140,100	$160,100 (+42.31%) Land $20,000 Building $140,100
2023	$958.00	$112,500 Land $15,000 Building $97,500	$112,500 Land $15,000 Building $97,500

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

Flood

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

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	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 67 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

May also be available: T-Mobile.

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