Rowan County property record for 631 Fraley Dr, Morehead, KY 40351
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,388 sqft |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,966 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 045-30 00 018.00 |
| Primary APN | 045-30 00 018.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,388 sqft Living Area |
| Basement Area | 2,108 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Construction Type | Frame |
|---|---|
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Garage Type | Basement |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 2060 |
|---|---|
| Street Address | 631 FRALEY DR |
| City | MOREHEAD |
| State | KY |
| Zip | 40351-8882 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HSE DETACHED GAR POOL POOLHSE & LOT #1 HOLIDAY ESTATES PLUS .004 AC |
| Legal Subdivision | HOLIDAY ESTATES |
| Legal Lot Number | 1 |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 950202 |
631 Fraley Dr is owned and occupied by two individuals.
Source: Rowan County records, as of November 17, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 1143, MOREHEAD, KY 40351-5143 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Deed Document Number | 0000200359 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Property Address | 631 FRALEY DR, MOREHEAD, KY 40351-8882 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | A426/227 |
|---|---|
| Date | Nov 17, 2020 |
| Book Page | A426/227 |
| Instrument | 2007204 |
| Name | KENTUCKY BANK |
|---|---|
| Type | Bank |
| Address | PARIS, KY 40362 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Dec 1, 2035 |
The 2025 property tax bill for 631 Fraley Dr was $2,966 with a homeowner's exemption.
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 | $2,966.00 Homeowner's exemption | $403,500 Land $32,000 Building $371,500 | $403,500 Land $32,000 Building $371,500 |
| 2023 | $3,024.00 | $355,000 Land $25,000 Building $330,000 | $355,000 Land $25,000 Building $330,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 631 Fraley Dr 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 risk around 631 Fraley Dr 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 36 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 |
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