632 Knapp Ave, Morehead, KY 40351 Property Records

Rowan County property record for 632 Knapp Ave, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 3,699 sqft
Owner	2 Individual Names on File
Tax Bill	$1,947 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Feb 2026 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`062-30 00 032.00`

Property Details

APN / Parcel Number

Primary APN	`062-30 00 032.00`
Alternative APNs	`1519` `1580` `1668`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	3,699 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Brick
Construction Type	Frame
Foundation Type	Block
Roof Material	Composition Shingle
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	1668
Street Address	632 KNAPP AVE
City	MOREHEAD
State	KY
Zip	40351-1128
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	H & LOT #14 & LAND SHERWOOD FOREST
Legal Subdivision	SHERWOOD FOREST
Legal Lot Number	14
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	3
Census Block	3002
Census Tract	950202

Owner

632 Knapp Ave 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	632 KNAPP AVE, MOREHEAD, KY 40351-1128
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2026	Deed of Trust, Mortgage · Line of Credit STOCK YARDS BANK
Feb 20, 2026	Deed of Trust, Mortgage · Line of Credit STOCK YARDS BANK & TRUST CO
Feb 20, 2026	Deed of Trust, Mortgage · Line of Credit STOCK YARDS BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Deed Document Number	0000131376
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Recording Date	Jun 29, 2026
Property Address	632 KNAPP AVE, MOREHEAD, KY 40351-1128
Document Number	0002048168
Book / Page	495 / 405
Instrument Date	Jun 23, 2026
Instrument	20262048168
Transaction Type	Mortgage
Record Updated	Jul 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	632 KNAPP AVE, MOREHEAD, KY 40351-1128

Mortgage

Document Number	0002048168,
Date	Jun 29, 2026
Book Page	495/405
Instrument	20262048168

Lender

Name	STOCK YARDS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.53%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	632 KNAPP AVE, MOREHEAD, KY 40351-1128
Transaction Type	Mortgage
Record Updated	Mar 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	632 KNAPP AVE, MOREHEAD, KY 40351-1128

Mortgage

Document Number	00A490/365
Date	Feb 20, 2026
Book Page	A490/365
Instrument	2044562

Lender

Name	STOCK YARDS BANK & TRUST CO
Type	Bank
Address	LOUISVILLE, KY 40223

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	632 KNAPP AVE, MOREHEAD, KY 40351-1128
Transaction Type	Mortgage
Record Updated	Mar 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	632 KNAPP AVE, MOREHEAD, KY 40351-1128

Mortgage

Document Number	00A490/365
Date	Feb 20, 2026
Book Page	A490/365
Instrument	2044562

Lender

Name	STOCK YARDS BANK & TRUST CO
Type	Bank
Address	LOUISVILLE, KY 40223

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 632 Knapp Ave was $1,947 with a homeowner's exemption.

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	$1,947.00 Homeowner's exemption	$281,750 Land $20,000 Building $261,750	$281,750 Land $20,000 Building $261,750
2023	$1,916.00	$224,950 Land $20,000 Building $204,950	$224,950 Land $20,000 Building $204,950

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

Flood

FEMA maps place 632 Knapp Ave 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

Wildfire risk around 632 Knapp Ave is low, with a 0.04% 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	0.04% 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 79 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

May also be available: T-Mobile, Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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