649 N Wilson Ave, Morehead, KY 40351 Property Records

Rowan County property record for 649 N Wilson Ave, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Details	1,024 sqft
Owner	Company Name on Record
Last Sale	$65,000 (May 2018)
Tax Bill	$851 (2025)
Deeds & Mortgages	Apr 2021 Mortgage May 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`080-10 09 016.00`

Property Details

APN / Parcel Number

Primary APN	`080-10 09 016.00`
Alternative APNs	`5114` `5121` `5400`

Interior

Stories	1 Story
Building Area	1,024 sqft Living Area

Exterior

Exterior Material	Brick
Foundation Type	Block
Roof Material	Composition Shingle

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Account Number	5400
Street Address	649 N WILSON AVE
City	MOREHEAD
State	KY
Zip	40351-1159
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & LOT NORTH WILSON
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	3
Census Block	3002
Census Tract	950202

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	230 STATE HIGHWAY 2, OLIVE HILL, KY 41164-4513
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2021	Deed of Trust, Mortgage · Commercial Mortgage TRUSTBANK
May 23, 2018	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 23, 2018 · Amount on Record
Deed Sale	May 23, 2018 · Amount on Record
Prior Sale	Aug 16, 2007 · Amount on Record
Deed Document Number	409383
Deed Book / Page	D268 / 016
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	649 N WILSON AVE, MOREHEAD, KY 40351-1159
Transaction Type	Mortgage
Record Updated	Apr 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A432/694
Date	Apr 6, 2021
Book Page	A432/694
Instrument	2008970

Lender

Name	TRUSTBANK
Type	Bank
Address	OLNEY, IL 62450

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	177 Months
Due	Jan 15, 2036

Interest

Rate Type	Adjustable Rate

May 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	May 23, 2018
Property Address	649 N WILSON AVE, MOREHEAD, KY 40351-1159
Document Number	00D268/016
Book / Page	D268 / 016
Instrument Date	May 8, 2018
Instrument	409383
Transaction Type	Transfer
Record Updated	Jan 4, 2022

Transaction

Amount	Amount Recorded
Tax	$65.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	825 N WILSON AVE, 825, MOREHEAD, KY 40351-1163

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 EASTRIDGE DR, WINCHESTER, KY 40391-7116

Tax Assessment & Valuation

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	$851.00 (+40.43%)	$101,700 (+42.84%) Land $30,000 Building $71,700	$101,700 (+42.84%) Land $30,000 Building $71,700
2023	$606.00	$71,200 Land $20,000 Building $51,200	$71,200 Land $20,000 Building $51,200

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	0.04% 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 58 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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