638 Fraley Dr, Morehead, KY 40351 Property Records

Rowan County property record for 638 Fraley Dr, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,496 sqft · built 1980
Owner	Individual Name on File
Last Sale	$212,500 (Jul 2011)
Tax Bill	$2,248 (2025)
Deeds & Mortgages	Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`045-30 00 019.00`

Property Details

APN / Parcel Number

Primary APN	`045-30 00 019.00`
Alternative APNs	`10965` `11006` `11553`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,496 sqft Living Area
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Construction Type	Frame
Foundation Type	Block
Roof Material	Composition Shingle

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	11553
Street Address	638 FRALEY DR
City	MOREHEAD
State	KY
Zip	40351-8881
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HSE & LOT 2 & 3 BLOCK A SECT 1 HOLIDAY E
Legal Subdivision	HOLIDAY ESTATES
Legal Block	A
Legal Lot Number	2-3
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	3
Census Block	3007
Census Tract	950202

Owner

638 Fraley Dr is owned and occupied by an individual who bought it in July 2011.

Source: Rowan County records, as of November 17, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	638 FRALEY DR, MOREHEAD, KY 40351-8881
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2011 · Amount on File
Deed Sale	Jul 21, 2011 · Amount on File
Prior Sale	Apr 27, 2010 · Amount on File
Deed Document Number	373312
Deed Book / Page	D240 / 68
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	638 FRALEY DR, MOREHEAD, KY 40351-8881
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A427/67
Date	Nov 30, 2020
Book Page	A427/67
Instrument	2007402

Lender

Name	FIRST NATIONAL BANK OF GRANBURY
Type	Bank
Address	MOREHEAD, KY 40351

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 638 Fraley Dr was $2,248.

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	$2,248.00	$268,619 Land $48,919 Building $219,700	$268,619 Land $48,919 Building $219,700
2023	$1,810.00	$212,500 Land $45,000 Building $167,500	$212,500 Land $45,000 Building $167,500

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

Flood

FEMA maps place 638 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

Wildfire risk around 638 Fraley Dr 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 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