616 Fraley Dr, Morehead, KY 40351 Property Records

Rowan County property record for 616 Fraley Dr, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,560 sqft · built 1977
Lot Size	1.8 acres (78,736 sqft)
Owner	2 Individual Names on Record
Last Sale	$290,000 (Apr 2026)
Tax Bill	$1,970 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Aug 2011 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`045-30 00 014.00`

Property Details

APN / Parcel Number

Primary APN	`045-30 00 014.00`
Alternative APNs	`2124` `2153` `2275`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Building Area	2,560 sqft Living Area
Basement Area	224 sqft
Finished Basement	224 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Split Foyer
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	78,736 sqft (1.8 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	2275
Street Address	616 FRALEY DR
City	MOREHEAD
State	KY
Zip	40351-8881
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HSE & LOTS 1-B BLOCK A HOLIDAY EST
Legal Subdivision	HOLIDAY ESTATES
Legal Block	A
Legal Lot Number	1
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	3
Census Block	3007
Census Tract	950202

Owner

Source: Rowan County records, as of July 6, 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	616 FRALEY DR, MOREHEAD, KY 40351-8881
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2022	Deed of Trust, Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Aug 16, 2011	Deed of Trust, Mortgage UNION SAVINGS BANK
Apr 16, 2026	Deed of Trust, Mortgage · FHA Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Apr 16, 2026	Deed, Transfer · FHA Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Apr 16, 2026	Deed, Transfer · FHA Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Mar 7, 2018	Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Aug 16, 2011	Quit Claim Deed, Transfer Quitclaim
Jul 18, 2007	Deed, Transfer FIRST FEDERAL SAVINGS & LOAN ASSOCIATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2026 · Amount on Record
Deed Sale	Apr 16, 2026 · Amount on Record
Prior Sale	Mar 7, 2018 · Amount on Record
Deed Document Number	20262046026
Deed Book / Page	299 / 321
Prior Transfer Date	Jul 28, 2011
Prior Transfer Doc	00D240/219
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	616 FRALEY DR, MOREHEAD, KY 40351-8881
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	616 FRALEY DR, MOREHEAD, KY 40351-8881

Mortgage

Document Number	00A447/603
Date	Apr 8, 2022
Book Page	A447/603
Instrument	2016018

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Amount	Amount Recorded
Term	312 Months
Due	Apr 1, 2048

August 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	616 FRALEY DR, MOREHEAD, KY 40351-8881
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A315/92106
Date	Aug 16, 2011
Book Page	A315/92-106
Instrument	373713

Lender

Name	UNION SAVINGS BANK
Address	8534 E KEMPER RD, CINCINNATI, OH 45249

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2041

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Recording Date	Apr 16, 2026
Property Address	616 FRALEY DR, MOREHEAD, KY 40351-8881
Document Number	0002046029
Book / Page	492 / 803
Instrument Date	Apr 16, 2026
Instrument	20262046029
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	BLUEGRASS LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	340 PRETTY RDG, MOREHEAD, KY 40351-9211

Mortgage

Document Number	0002046029,
Date	Apr 16, 2026
Book Page	492/803
Instrument	20262046029

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.22%
Max Rate	-1%

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Apr 16, 2026
Property Address	616 FRALEY DR, MOREHEAD, KY 40351-8881
Document Number	0002046026
Book / Page	299 / 321
Instrument Date	Apr 16, 2026
Instrument	2026.2046026
Transaction Type	Transfer
Record Updated	Apr 29, 2026
Title Company	BLUEGRASS LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$29,290.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	616 FRALEY DR, MOREHEAD, KY 40351-8881

Mortgage

Document Number	0002046029,
Date	Apr 16, 2026
Instrument	2026.2046029

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6%
Max Rate	-1%

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Apr 16, 2026
Property Address	616 FRALEY DR, MOREHEAD, KY 40351-8881
Document Number	00D299/321
Book / Page	299 / 321
Instrument Date	Apr 16, 2026
Instrument	20262046026
Transaction Type	Transfer
Record Updated	Jul 6, 2026
Title Company	BLUEGRASS LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$29,290.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	616 FRALEY DR, MOREHEAD, KY 40351-8881

Mortgage

Document Number	0002046029,
Date	Apr 16, 2026
Instrument	20262046029

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6%
Max Rate	-1%

March 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Mar 7, 2018
Property Address	616 FRALEY DR, MOREHEAD, KY 40351-8881
Document Number	00D267/199
Book / Page	D267 / 199
Map Reference	CAB1 SL299
Instrument Date	Mar 1, 2018
Instrument	408567
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$160.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1213 TELLURIDE CIR, LEXINGTON, KY 40509-2394

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	616 FRALEY DR, MOREHEAD, KY 40351-8881
Investor	Possibly a Property Investor

Mortgage

Document Number	0000408568
Date	Mar 7, 2018
Instrument	408568

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

August 2011: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROWAN KY
Recording Date	Aug 16, 2011
Property Address	616 FRALEY DR, MOREHEAD, KY 40351-8881
Document Number	00D240/219
Book / Page	D240 / 219
Instrument Date	Jul 28, 2011
Instrument	373711
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	616 FRALEY DR, MOREHEAD, KY 40351-8881

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	616 FRALEY DR, MOREHEAD, KY 40351-8881

July 2007: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Jul 18, 2007
Property Address	616 FRALEY DR, MOREHEAD, KY 40351-8881
Document Number	00D226/391
Book / Page	D226 / 391
Instrument Date	Jul 13, 2007
Instrument	354093
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$183.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	600 HELPHENSTINE RD, WALLINGFORD, KY 41093-9366

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	616 FRALEY DR, MOREHEAD, KY 40351-8881

Mortgage

Document Number	0000A267/1
Date	Jul 18, 2007
Book Page	A267/1
Instrument	354094

Lender

Name	FIRST FEDERAL SAVINGS & LOAN ASSOCIATION
Address	MOREHEAD, KY 40351

Agreement

Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2027

Tax Assessment & Valuation

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	$1,970.00 (+13.35%)	$235,423 (+15.4%) Land $38,423 Building $197,000	$235,423 (+15.4%) Land $38,423 Building $197,000
2023	$1,738.00	$204,000 Land $25,000 Building $179,000	$204,000 Land $25,000 Building $179,000

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 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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon.

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