677 Fraley Dr, Morehead, KY 40351 Property Records

Rowan County property record for 677 Fraley Dr, Morehead, KY 40351 · Last verified November 2025

Property Summary

Property Type	Single Family Home
Details	2,536 sqft
Owner	Individual Name on File
Last Sale	$350,000 (Mar 2019)
Tax Bill	$3,116 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`045-30 00 025.00`

Property Details

APN / Parcel Number

Primary APN	`045-30 00 025.00`
Alternative APNs	`6458` `6462` `6838`

Interior

Stories	2 Stories
Building Area	2,536 sqft Living Area
Basement Area	1,160 sqft

Exterior

Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Material	Composition Shingle
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	6838
Street Address	677 FRALEY DR
City	MOREHEAD
State	KY
Zip	40351-8882
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HSE POOL & LOT #3 SECT 1 BLOCK B HOLIDAY ESTATES
Legal Subdivision	HOLIDAY ESTATES
Legal Block	B
Legal Lot Number	3
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	3
Census Block	3005
Census Tract	950202

Owner

Source: Rowan County records · APN 045-30 00 025.00

Assessment roll updated April 1, 2025 · Last verified November 2025

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
Co-owner	Verified Secondary Owner
Mailing Address	677 FRALEY DR, MOREHEAD, KY 40351-8882
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 07, 2025	Deed of Trust, Mortgage · Line of Credit PEOPLES EXCHANGE BANK (STANTON KY
Mar 28, 2019	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 28, 2019 · Amount on Record
Deed Sale	Mar 28, 2019 · Amount on Record
Prior Sale	Sep 12, 2014 · Amount on Record
Deed Document Number	413398
Deed Book / Page	D271 / 142
Record Updated	Jun 08, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	677 FRALEY DR, MOREHEAD, KY 40351-8882
Transaction Type	Mortgage
Record Updated	Oct 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	677 FRALEY DR, MOREHEAD, KY 40351-8882

Mortgage

Document Number	00A485/552
Date	Oct 07, 2025
Book Page	A485/552
Instrument	2041130

Lender

Name	PEOPLES EXCHANGE BANK (STANTON KY
Type	Bank
Address	MOUNT STERLING, KY 40353

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Sep 18, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN KY
Recording Date	Mar 28, 2019
Property Address	677 FRALEY DR, MOREHEAD, KY 40351-8882
Document Number	00D271/142
Book / Page	D271 / 142
Map Reference	MB 3 PG 84
Instrument Date	Mar 12, 2019
Instrument	413398
Transaction Type	Transfer
Record Updated	Jan 04, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$350.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	677 FRALEY DR, 677, MOREHEAD, KY 40351-8882

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	236 FEARING RD, OWINGSVILLE, KY 40360-8734

Mortgage

Document Number	0000413400
Date	Mar 28, 2019
Instrument	413400

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2049

Tax Assessment & Valuation

Source: Rowan County records · Assessment roll updated April 1, 2025 · Last verified November 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

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	$3,116.00 (+4.49%)	$372,320 (+6.38%) Land $38,720 Building $333,600	$372,320 (+6.38%) Land $38,720 Building $333,600
2023	$2,982.00	$350,000 Land $20,000 Building $330,000	$350,000 Land $20,000 Building $330,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Rowan County (21205C), updated April 18, 2011 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 37% of Kentucky
Wildfire Likelihood	About 1 in 2,703 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 36 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Uniti Group	Fiber	2,000 / 2,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

Nearby Properties on Fraley Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures