635 Whitaker St, Morehead, KY 40351 Property Records

Rowan County property record for 635 Whitaker St, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,016 sqft · built 1968
Lot Size	0.45 acres (19,602 sqft)
Owner	2 Individual Names on Record
Last Sale	$162,000 (Sep 2021)
Tax Bill	$1,474 (2025)
Deeds & Mortgages	Dec 2021 Line of Credit Sep 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`045-40 00 043.00`

Property Details

APN / Parcel Number

Primary APN	`045-40 00 043.00`
Alternative APNs	`4221` `4238` `4453`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,016 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	19,602 sqft (0.45 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	4453
Street Address	635 WHITAKER ST
City	MOREHEAD
State	KY
Zip	40351-8829
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C
Legal Description	HOUSE & LOT 29 HIDDEN VALLEY
Legal Subdivision	HIDDEN VALLEY
Legal Lot Number	29
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	1
Census Block	1000
Census Tract	950201

Owner

Source: Rowan County records, as of June 2, 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	165 HILL N DALE RD, MOREHEAD, KY 40351-9268
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 13, 2021	Deed of Trust, Mortgage · Line of Credit FIRST FSLA OF MOREHEAD
Sep 24, 2021	Deed, Transfer
Feb 3, 2021	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 24, 2021 · Amount on Record
Deed Sale	Sep 24, 2021 · Amount on Record
Prior Sale	Feb 3, 2021 · Amount on Record
Deed Document Number	20212012272
Deed Book / Page	281 / 335
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	635 WHITAKER ST, MOREHEAD, KY 40351-8829
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	165 HILL N DALE RD, MOREHEAD, KY 40351-9268

Mortgage

Document Number	00A443/693
Date	Dec 13, 2021
Book Page	A443/693
Instrument	2014149

Lender

Name	FIRST FSLA OF MOREHEAD
Type	Non-Lending Institution
Address	MOREHEAD, KY 40351

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	15 Months
Due	Jan 1, 2052

Interest

Rate Type	Adjustable Rate

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Sep 24, 2021
Property Address	635 WHITAKER ST, MOREHEAD, KY 40351-8829
Document Number	00D281/335
Book / Page	D281 / 335
Map Reference	MB 2 PG 15
Instrument Date	Sep 20, 2021
Instrument	2012272
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Amount	Amount Recorded
Tax	$162.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	635 WHITAKER ST, MOREHEAD, KY 40351-8829

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	165 HILL N DALE RD, MOREHEAD, KY 40351-9268

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Feb 3, 2021
Property Address	635 WHITAKER ST, MOREHEAD, KY 40351-8829
Document Number	00D278/466
Book / Page	D278 / 466
Map Reference	MB 2 PG 15
Instrument Date	Jan 29, 2021
Instrument	2008167
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Amount	Amount Recorded
Tax	$140.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3312 FLORENE DR, ORLANDO, FL 32806-6424

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	635 WHITAKER ST, MOREHEAD, KY 40351-8829

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	$1,474.00 (+6.81%)	$176,200 (+8.77%) Land $20,000 Building $156,200	$176,200 (+8.77%) Land $20,000 Building $156,200
2023	$1,380.00	$162,000 Land $15,000 Building $147,000	$162,000 Land $15,000 Building $147,000

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 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.03% 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 67 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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