65 States Ave, Morehead, KY 40351 Property Records

Fleming County property record for 65 States Ave, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,568 sqft · built 2006
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on File
Last Sale	$108,000 (Jan 2022)
Tax Bill	$1,048 (2025)
Deeds & Mortgages	Jul 2018 Mortgage Jul 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`098-00-00-016.40`

Property Details

APN / Parcel Number

Primary APN	`098-00-00-016.40`
Alternative APNs	`26023` `27788`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,568 sqft Living Area

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,375 sqft (0.33 acres)
View / Lot	Waterfront
Garage Area	1,568 sqft
Driveway	Gravel Driveway
Parking Spaces	6 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	27788
Street Address	65 STATES AVE
City	MOREHEAD
State	KY
Zip	40351-7145
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT #40A .325AC & 2006 FLEETWOOD
Legal Subdivision	FLEETWOOD
Legal Lot Number	40A
Jurisdiction	FLEMING KY
Township / Civil Division	HILLSBORO
Census Block Group	3
Census Block	3025
Census Tract	920400

Owner

65 States Ave is owned and occupied by two individuals who bought it in January 2022.

Source: Fleming County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	65 STATES AVE, MOREHEAD, KY 40351-7145
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
Jul 18, 2018	Deed of Trust, Mortgage KENTUCKY HOUSING CORP
Jul 18, 2018	Deed of Trust, Mortgage · FHA Mortgage WESTERN OHIO MORTGAGE CORP
Jul 18, 2018	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 11, 2022 · Amount on File
Deed Sale	Jan 11, 2022 · Amount on File
Prior Sale	Jul 18, 2018 · Amount on File
Deed Document Number	2022106509
Deed Book / Page	282 / 289
Record Updated	Oct 29, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLEMING KY
Property Address	65 STATES AVE, MOREHEAD, KY 40351-7145
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M353/0365
Date	Jul 18, 2018
Book Page	M353/0365
Instrument	064750

Lender

Name	KENTUCKY HOUSING CORP
Type	Government Agency
Address	FRANKFORT, KY 40601

Agreement

Amount	Amount on Record
Term	121 Months
Due	Aug 1, 2028

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLEMING KY
Property Address	65 STATES AVE, MOREHEAD, KY 40351-7145
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M353/0350
Date	Jul 18, 2018
Book Page	M353/0350
Instrument	064749

Lender

Name	WESTERN OHIO MORTGAGE CORP
Type	Mortgage Company
Address	SIDNEY, OH 45365

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2048

July 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FLEMING KY
Recording Date	Jul 18, 2018
Property Address	65 STATES AVE, MOREHEAD, KY 40351-7145
Document Number	D268/0432
Book / Page	D268 / 0432
Map Reference	PL CAB 2 SL 176
Instrument Date	Jul 13, 2018
Instrument	064748
Transaction Type	Transfer
Record Updated	Oct 14, 2021

Transaction

Amount	Amount on Record
Tax	$67.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	919 CHARLESTON CT, 919, MAYSVILLE, KY 41056-7906

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	65 STATES AVE, MOREHEAD, KY 40351-7145

Tax Assessment & Valuation

The 2025 property tax bill for 65 States Ave was $1,048.

Source: Fleming County assessment roll, as of November 13, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Fleming County
Unified School District	Fleming County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$108,000 (-) Land $18,000 Building $90,000	$108,000 (-) Land $18,000 Building $90,000
2025	$1,048.00	$108,000 Land $18,000 Building $90,000	$108,000 Land $18,000 Building $90,000
2023	$1,082.00	$108,000 Land $18,000 Building $90,000	$108,000 Land $18,000 Building $90,000

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

Flood

FEMA maps place 65 States Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 20, 2010

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 65 States Ave 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	ROWAN WATER INC private · serves 18,765 people · EPA ID KY1030375
Water Source	Purchased surface water from MOREHEAD UTILITY PLANT BOARD
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2023
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 35 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Windstream DSL	200 / 20

Cell Coverage

4G LTE (outdoors only), no 5G reported

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