Rowan County property record for 645 Litton Rd, Morehead, KY 40351
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,755 sqft |
| Lot Size | 20 acres (871,200 sqft) |
| Owner | Individual Name on File |
| Last Sale | $390,000 (Sep 2021) |
| Tax Bill | $3,375 (2025) |
| Deeds & Mortgages | Sep 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 044-00 00 021.00 |
| Primary APN | 044-00 00 021.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,755 sqft Living Area |
| Basement Area | 1,475 sqft |
| Construction Type | Frame |
|---|---|
| Foundation Type | Concrete |
| Roof Material | Metal |
| Lot Area | 871,200 sqft (20 acres) |
| Cooling System | Central |
|---|---|
| Heating Fuel | Geothermal |
| Account Number | 7920 |
|---|---|
| Street Address | 645 LITTON RD |
| City | MOREHEAD |
| State | KY |
| Zip | 40351-8283 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HSE BLDGS & 6.49 ACRES |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | HILDA-TRIPLETT |
| Census Block Group | 4 |
| Census Block | 4012 |
| Census Tract | 950100 |
645 Litton Rd is owned and occupied by an individual who bought it in September 2021.
Source: Rowan County records, as of November 17, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 645 LITTON RD, MOREHEAD, KY 40351-8283 |
| 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 |
|---|---|
| Last Sale | Sep 16, 2021 · Amount on File |
| Deed Sale | Sep 16, 2021 · Amount on File |
| Deed Document Number | 2012065 |
| Deed Book / Page | D281 / 266 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ROWAN KY |
| Recording Date | Sep 16, 2021 |
| Property Address | 645 LITTON RD, MOREHEAD, KY 40351-8283 |
| Document Number | 00D281/266 |
| Book / Page | D281 / 266 |
| Instrument Date | Sep 15, 2021 |
| Instrument | 2012065 |
| Transaction Type | Transfer |
| Record Updated | Feb 21, 2023 |
| Title Company | BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $390.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 680 LITTON RD, MOREHEAD, KY 40351-8283 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 645 LITTON RD, MOREHEAD, KY 40351-8283 |
| Investor | Possibly a Property Investor |
| Document Number | 0002012068 |
|---|---|
| Date | Sep 16, 2021 |
| Instrument | 2012068 |
| Name | ENVOY MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
The 2025 property tax bill for 645 Litton Rd was $3,375.
Source: Rowan County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Rowan County |
| Unified School District | Rowan County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,375.00 | $403,215 Land $28,275 Building $374,940 | $403,215 Land $28,275 Building $374,940 |
| 2023 | $3,323.00 | $390,000 Land $28,275 Building $361,725 | $390,000 Land $28,275 Building $361,725 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 645 Litton Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2026.
Source: FEMA National Flood Hazard Layer, effective April 18, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2026) |
| Most Recent Claim | May 2026 · river or lake flooding |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 645 Litton Rd 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.
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 10 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: Verizon.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures