650 Sugar Loaf Mountain Rd, Morehead, KY 40351 Property Records

Rowan County property record for 650 Sugar Loaf Mountain Rd, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,273 sqft · built 2000
Owner	2 Individual Names on Record
Last Sale	$41,000 (Nov 2021)
Tax Bill	$2,764 (2025)
Deeds & Mortgages	Oct 2019 Mortgage Feb 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`031-00 00 026.01`

Property Details

APN / Parcel Number

Primary APN	`031-00 00 026.01`
Alternative APNs	`124` `130` `139`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,273 sqft Living Area
Basement Area	1,508 sqft

Exterior

Year Built	Built 2000
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	139
Street Address	650 SUGAR LOAF MOUNTAIN RD
City	MOREHEAD
State	KY
Zip	40351-9177
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE, GARAGE, POOL, POOLHOUSE & 4.034A SUGAR LOAF MOUNTAIN
Jurisdiction	ROWAN KY
Township / Civil Division	HILDA-TRIPLETT
Census Block Group	4
Census Block	4009
Census Tract	950100

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	2 Individual Names on Record
Co-owner	Co-owner on Record
Mailing Address	650 SUGAR LOAF MOUNTAIN RD, MOREHEAD, KY 40351-9177
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2019	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF GRAYSON
Feb 13, 2019	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF GRAYSON
Nov 24, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Nov 24, 2021 · Amount on Record
Deed Sale	Nov 24, 2021 · Amount on Record
Prior Sale	Oct 22, 2012 · Amount on Record
Deed Document Number	2013879
Deed Book / Page	D282 / 281
Record Updated	Jun 8, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	650 SUGAR LOAF MOUNTAIN RD, MOREHEAD, KY 40351-9177
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A410/443
Date	Oct 4, 2019
Book Page	A410/443
Instrument	2001620

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 1, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	650 SUGAR LOAF MOUNTAIN RD, MOREHEAD, KY 40351-9177
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A402/418
Date	Feb 13, 2019
Book Page	A402/418
Instrument	412795

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Feb 3, 2020

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN KY
Recording Date	Nov 24, 2021
Property Address	650 SUGAR LOAF MOUNTAIN RD, MOREHEAD, KY 40351-9177
Document Number	00D282/281
Book / Page	D282 / 281
Map Reference	CAB 1 SL 497
Instrument Date	Nov 2, 2021
Instrument	2013879
Transaction Type	Transfer
Record Updated	Aug 10, 2022

Transaction

Amount	Amount Recorded
Tax	$41.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 162, MOREHEAD, KY 40351-0162

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 SUGAR LOAF MOUNTAIN RD, MOREHEAD, KY 40351-9177
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Rowan County assessment roll, as of April 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,764.00 (-1.74%)	$330,270 (-) Land $40,000 Building $290,270	$330,270 (-) Land $40,000 Building $290,270
2023	$2,813.00	$330,270 Land $40,000 Building $290,270	$330,270 Land $40,000 Building $290,270

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 · 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

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	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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	200 / 20
Verizon Fixed Wireless	25 / 6

May also be available: AT&T, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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