Rowan County property record for 628 White St, Morehead, KY 40351
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 824 sqft |
| Owner | Individual Name on File |
| Last Sale | $135,000 (Feb 2021) |
| Tax Bill | $1,228 (2025) |
| Deeds & Mortgages | Nov 2019 Line of Credit Feb 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 080-20 11 007.00 |
| Primary APN | 080-20 11 007.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 824 sqft Living Area |
| Construction Type | Frame |
|---|---|
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Account Number | 7626 |
|---|---|
| Street Address | 628 WHITE ST |
| City | MOREHEAD |
| State | KY |
| Zip | 40351-1468 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & LOT WHITE STREET |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 4 |
| Census Block | 4050 |
| Census Tract | 950202 |
628 White St is owned by an individual who bought it in February 2021.
Source: Rowan County records, as of November 17, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5050 DOUBLE EAGLE WAY, MOREHEAD, KY 40351 |
| 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.
| Date | Document |
|---|---|
| Nov 15, 2019 | Deed of Trust, Mortgage · Line of Credit FIRST FSLA OF MOREHEAD |
| Feb 4, 2021 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 4, 2021 · Amount on File |
| Deed Sale | Feb 4, 2021 · Amount on File |
| Prior Sale | Jan 18, 2012 · Amount on File |
| Deed Document Number | 2008188 |
| Deed Book / Page | D278 / 517 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Property Address | 628 WHITE ST, MOREHEAD, KY 40351-1468 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | A411/698 |
|---|---|
| Date | Nov 15, 2019 |
| Book Page | A411/698 |
| Instrument | 2002115 |
| Name | FIRST FSLA OF MOREHEAD |
|---|---|
| Address | MOREHEAD, KY 40351 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Nov 1, 2020 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ROWAN KY |
| Recording Date | Feb 4, 2021 |
| Property Address | 628 WHITE ST, MOREHEAD, KY 40351-1468 |
| Document Number | D278/517 |
| Book / Page | D278 / 517 |
| Instrument Date | Feb 4, 2021 |
| Instrument | 2008188 |
| Transaction Type | Transfer |
| Record Updated | Nov 25, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $135.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 308 HUNTER LN, 308, MOREHEAD, KY 40351-7642 |
| Name | Verified Name |
|---|---|
| Address | 5050 DOUBLE EAGLE WAY, MOREHEAD, KY 40351 |
The 2025 property tax bill for 628 White St was $1,228.
Source: Rowan County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Rowan County |
| Municipality | Morehead City |
| Unified School District | Rowan County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,228.00 | $146,800 Land $30,000 Building $116,800 | $146,800 Land $30,000 Building $116,800 |
| 2023 | $1,150.00 | $135,000 Land $15,000 Building $120,000 | $135,000 Land $15,000 Building $120,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 628 White St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
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 risk around 628 White St is low, with a 0.02% annual chance of 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 | 0.02% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 240 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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