Rowan County property record for 669 Whitaker St, Morehead, KY 40351
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,584 sqft |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | Individual Name on File |
| Last Sale | $120,000 (Jul 2022) |
| Tax Bill | $900 (2025) |
| Deeds & Mortgages | Jul 2019 Mortgage Aug 2023 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 045-40 00 059.00 |
| Primary APN | 045-40 00 059.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,584 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Construction Type | Frame |
|---|---|
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 13,939 sqft (0.32 acres) |
| Garage Area | 360 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Account Number | 9468 |
|---|---|
| Street Address | 669 WHITAKER ST |
| City | MOREHEAD |
| State | KY |
| Zip | 40351-8830 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | C |
| Legal Description | HSE & LOT 5 HIDDEN VALLEY |
| Legal Subdivision | HIDDEN VALLEY |
| Legal Lot Number | 5 |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 950201 |
Source: Rowan County assessment roll, APN 045-40 00 059.00, as of November 18, 2025 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 669 WHITAKER ST, MOREHEAD, KY 40351-8830 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married |
| Date | Document |
|---|---|
| Jul 03, 2019 | Deed of Trust, Mortgage · Conventional Mortgage WINTRUST MORTGAGE |
| Aug 22, 2023 | Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP |
| Jan 29, 2008 | Deed of Trust, Mortgage · Line of Credit MOREHEAD COMMUNITY FEDERAL CREDIT UNION |
| Jan 14, 2026 | Quit Claim Deed, Transfer · Line of Credit COASTAL COMMUNITY BANK |
| Jul 13, 2022 | Deed, Transfer · Conventional Mortgage REPUBLIC STATE MORTGAGE CO |
| Apr 27, 2018 | Deed, Transfer |
| Nov 04, 2013 | Deed, Transfer · Conventional Mortgage KY BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 13, 2022 · Amount on Record |
| Deed Sale | Jul 13, 2022 · Amount on Record |
| Prior Sale | Apr 27, 2018 · Amount on Record |
| Deed Document Number | 20222017755 |
| Deed Book / Page | 284 / 599 |
| Last Transfer Date | Jan 13, 2026 |
| Transfer Doc | 00D298/352 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Property Address | 669 WHITAKER ST, MOREHEAD, KY 40351-8830 |
| Transaction Type | Mortgage |
| Record Updated | Feb 03, 2026 |
| Title Company | ELEVATED TITLE LLC |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 00A407/269 |
|---|---|
| Date | Jul 03, 2019 |
| Book Page | A407/269 |
| Instrument | 414735 |
| Name | WINTRUST MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | DES PLAINES, IL 60018 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jul 01, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Property Address | 669 WHITAKER ST, MOREHEAD, KY 40351-8830 |
| Transaction Type | Mortgage |
| Record Updated | Feb 03, 2026 |
| Name | Verified Name |
|---|---|
| Address | 669 WHITAKER ST, MOREHEAD, KY 40351-8830 |
| Document Number | 00A462/631 |
|---|---|
| Date | Aug 22, 2023 |
| Book Page | A462/631 |
| Instrument | 2024714 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30305 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Property Address | 669 WHITAKER ST, MOREHEAD, KY 40351-8830 |
| Transaction Type | Mortgage |
| Record Updated | Feb 03, 2026 |
| Name | Verified Name |
|---|---|
| Address | 669 WHITAKER ST, MOREHEAD, KY 40351-8830 |
| Investor | Possibly a Property Investor |
| Document Number | 00A274/530 |
|---|---|
| Date | Jan 29, 2008 |
| Book Page | A274/530 |
| Instrument | 356628 |
| Name | MOREHEAD COMMUNITY FEDERAL CREDIT UNION |
|---|---|
| Address | MOREHEAD, KY 40351 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Dec 11, 2022 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ROWAN KY |
| Recording Date | Jan 14, 2026 |
| Property Address | 669 WHITAKER ST, MOREHEAD, KY 40351-8830 |
| Document Number | 00D298/352 |
| Book / Page | D298 / 352 |
| Instrument Date | Jan 13, 2026 |
| Instrument | 2043675 |
| Transaction Type | Transfer |
| Record Updated | Feb 03, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1933 MULLEN AVE, KINGMAN, AZ 86401-5146 |
| Name | Verified Name |
|---|---|
| Address | 669 WHITAKER ST, MOREHEAD, KY 40351-8830 |
| Investor | Possibly a Property Investor |
| Document Number | 0002043755 |
|---|---|
| Date | Jan 14, 2026 |
| Instrument | 2043755 |
| Name | COASTAL COMMUNITY BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | ROWAN KY |
| Recording Date | Jul 13, 2022 |
| Property Address | 669 WHITAKER ST, MOREHEAD, KY 40351-8830 |
| Document Number | 00D284/599 |
| Book / Page | D284 / 599 |
| Instrument Date | Jul 08, 2022 |
| Instrument | 2017755 |
| Transaction Type | Transfer |
| Record Updated | Jul 26, 2022 |
| Title Company | BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 424 NORTHFORK DR, 424, MOREHEAD, KY 40351-6548 |
| Name | Verified Name |
|---|---|
| Address | 669 WHITAKER ST, MOREHEAD, KY 40351-8830 |
| Document Number | 0002017758 |
|---|---|
| Date | Jul 13, 2022 |
| Instrument | 2017758 |
| Name | REPUBLIC STATE MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ROWAN KY |
| Recording Date | Apr 27, 2018 |
| Property Address | 669 WHITAKER ST, MOREHEAD, KY 40351-8830 |
| Document Number | 00D267/574 |
| Book / Page | D267 / 574 |
| Instrument Date | Apr 25, 2018 |
| Instrument | 409112 |
| Transaction Type | Transfer |
| Record Updated | Jan 04, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $105.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 214 CHESTNUT LN, 214, VERSAILLES, KY 40383-9769 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 669 WHITAKER ST, MOREHEAD, KY 40351-8830 |
| Investor | Possibly a Property Investor |
| Document Type | Deed |
|---|---|
| Jurisdiction | ROWAN KY |
| Recording Date | Nov 04, 2013 |
| Property Address | 669 WHITAKER ST, MOREHEAD, KY 40351-8830 |
| Document Number | 000D250/33 |
| Book / Page | D250 / 33 |
| Instrument Date | Nov 04, 2013 |
| Instrument | 385577 |
| Transaction Type | Transfer |
| Record Updated | Apr 30, 2024 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $130.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 518 WHITAKER ST, MOREHEAD, KY 40351-8824 |
| Name | Verified Name |
|---|---|
| Address | 518 WHITAKER ST, MOREHEAD, KY 40351-8824 |
| Document Number | 0A343/1322 |
|---|---|
| Date | Nov 04, 2013 |
| Book Page | A343/13-22 |
| Instrument | 385578 |
| Name | KY BANK |
|---|---|
| Type | Seller |
| Address | PO BOX 157, PARIS, KY 40362 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 01, 2028 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.67% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Dec 01, 2020 |
| Change Frequency | Annually |
Source: Rowan County assessment roll as of November 18, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Rowan County |
| Municipality | Morehead City |
| Unified School District | Rowan County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $900.00 (-11.94%) Homeowner's exemption | $156,700 (+30.58%) Land $20,000 Building $136,700 | $156,700 (+30.58%) Land $20,000 Building $136,700 |
| 2023 | $1,022.00 | $120,000 Land $12,000 Building $108,000 | $120,000 Land $12,000 Building $108,000 |
Source: FEMA National Flood Hazard Layer, Rowan County (21205C), as of April 18, 2011 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Low lower than 67% of the US · above 66% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, 67 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Uniti Group 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 USA.
Source: EPA Safe Drinking Water Information System, water system KY1030292, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | MOREHEAD UTILITY PLANT BOARD serves 9,052 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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