Morgan County property record for 616 Zag Rd, West Liberty, KY 41472
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,350 sqft · built 1982 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,955 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Jul 2023 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 052-00-00-052.00 |
| Primary APN | 052-00-00-052.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,350 sqft Living Area |
| Basement Area | 300 sqft |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Exterior Material | Concrete |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 43,560 sqft (1 acres) |
| Terrain | Rolling |
| Driveway | Driveway |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Street Address | 616 ZAG RD |
|---|---|
| City | WEST LIBERTY |
| State | KY |
| Zip | 41472-7625 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | CABIN & LAND |
| Jurisdiction | MORGAN KY |
| Township / Civil Division | WRIGLEY |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 950200 |
Source: Morgan County records, as of May 28, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 345 JOHNS BRANCH RD, WEST LIBERTY, KY 41472-6173 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 1, 2026 | Deed of Trust, Mortgage · Conventional Mortgage COMMERCIAL BANK |
| Jul 24, 2023 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORGAN KY |
| Recording Date | May 1, 2026 |
| Property Address | 616 ZAG RD, WEST LIBERTY, KY 41472-7625 |
| Document Number | 0231000872 |
| Book / Page | 231 / 872 |
| Instrument Date | Apr 24, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 345 JOHNS BRANCH RD, WEST LIBERTY, KY 41472-6173 |
| Document Number | 0231000872, |
|---|---|
| Date | May 1, 2026 |
| Book Page | 231/872 |
| Name | COMMERCIAL BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 24, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.38% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | MORGAN KY |
| Recording Date | Jul 24, 2023 |
| Property Address | 616 ZAG RD, WEST LIBERTY, KY 41472-7625 |
| Document Number | 000250/741 |
| Book / Page | 250 / 741 |
| Instrument Date | Jul 17, 2023 |
| Instrument | 88553 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 593 ZAG RD, WEST LIBERTY, KY 41472-7624 |
| Name | Verified Name |
|---|---|
| Address | 345 JOHNS BRANCH RD, WEST LIBERTY, KY 41472-6173 |
Source: Morgan County assessment roll, as of November 4, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Morgan County |
| Unified School District | Morgan County School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,955.00 (+350.46%) | $160,000 (+357.14%) | $160,000 (+357.14%) |
| 2023 | $434.00 | $35,000 | $35,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 15, 2015
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 44% of the US · above 73% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.09% 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 | MORGAN COUNTY WATER DISTRICT serves 7,502 people · EPA ID KY0880594 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Aug 2024 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | Haloacetic acids resolved · Oct 2025 Total trihalomethanes resolved · Apr 2018 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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 25 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mountain Rural Telephone Cooperative Fiber | 2,000 / 2,000 |
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