640 Whitaker St, Morehead, KY 40351 Property Records

Rowan County property record for 640 Whitaker St, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,352 sqft · built 1970
Owner	Individual Name on File
Last Sale	$240,000 (Aug 2025)
Tax Bill	$1,742 (2025)
Deeds & Mortgages	Aug 2025 Sale & Mortgage Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`045-40 00 042.00`

Property Details

APN / Parcel Number

Primary APN	`045-40 00 042.00`
Alternative APNs	`3154` `3186` `3353`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,352 sqft Living Area
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Architectural Style	Split Level
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Block
Roof Material	Composition Shingle
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	3353
Street Address	640 WHITAKER ST
City	MOREHEAD
State	KY
Zip	40351-8828
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & LOT 10 HIDDEN VALLEY
Legal Subdivision	HIDDEN VALLEY
Legal Lot Number	10
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	1
Census Block	1000
Census Tract	950201

Owner

640 Whitaker St is owned and occupied by an individual who bought it in August 2025.

Source: Rowan County records, as of January 19, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	640 WHITAKER ST, MOREHEAD, KY 40351-8828
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
Aug 22, 2025	Warranty Deed, Transfer · Conventional Mortgage CITY NATIONAL BANK OF WEST VIRGINIA
Jun 2, 2021	Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2025 · Amount on File
Deed Sale	Aug 22, 2025 · Amount on File
Prior Sale	Jun 2, 2021 · Amount on File
Deed Document Number	2039984
Deed Book / Page	D296 / 684
Record Updated	Jun 8, 2026

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN KY
Recording Date	Aug 22, 2025
Property Address	640 WHITAKER ST, MOREHEAD, KY 40351-8828
Document Number	00D296/684
Book / Page	D296 / 684
Map Reference	CAB 1 SL 97
Instrument Date	Aug 19, 2025
Instrument	2039984
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1803 COOPER FRK, VANCEBURG, KY 41179-8935

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 WHITAKER ST, MOREHEAD, KY 40351-8828

Mortgage

Document Number	0002039988
Date	Aug 22, 2025
Instrument	2039988

Lender

Name	CITY NATIONAL BANK OF WEST VIRGINIA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.29%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2032
Change Frequency	Annually
Min Rate At Change	4.29%
Max Rate At Change	8.29%
Index	1-Year CMT
Max Rate	10.2%

June 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Jun 2, 2021
Property Address	640 WHITAKER ST, MOREHEAD, KY 40351-8828
Document Number	0000D280/6
Book / Page	D280 / 6
Map Reference	CAB 1 SL 97
Instrument Date	Jun 1, 2021
Instrument	2009934
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	640 WHITAKER ST, MOREHEAD, KY 40351-8828

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 WHITAKER ST, MOREHEAD, KY 40351-8828

Mortgage

Document Number	0002009937
Date	Jun 2, 2021
Instrument	2009937

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 640 Whitaker St was $1,742.

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	$1,742.00	$208,200 Land $20,000 Building $188,200	$208,200 Land $20,000 Building $188,200
2023	$1,704.00	$200,000 Land $15,000 Building $185,000	$200,000 Land $15,000 Building $185,000

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

Flood

FEMA maps place 640 Whitaker St 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 640 Whitaker St is low, with a 0.03% 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	0.03% 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.

Nearby Properties on Whitaker St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures