686 Whitaker St, Morehead, KY 40351 Property Records

Rowan County property record for 686 Whitaker St, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Details	1,680 sqft
Lot Size	2.01 acres (87,643 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,006 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Apr 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`045-40 00 064.00`

Property Details

APN / Parcel Number

Primary APN	`045-40 00 064.00`
Alternative APNs	`4873` `4877` `5138`

Interior

Stories	1 Story
Building Area	1,680 sqft Living Area

Exterior

Exterior Material	Other
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	87,643 sqft (2.01 acres)

Location & Zoning

Account Number	5138
Street Address	686 WHITAKER ST
City	MOREHEAD
State	KY
Zip	40351-8828
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C
Legal Description	2.012 A +- & HOUSE
Legal Subdivision	HIDDEN VALLEY
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	1
Census Block	1000
Census Tract	950201

Owner

Source: Rowan County records, as of November 18, 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
Mailing Address	686 WHITAKER ST, MOREHEAD, KY 40351-8828
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Apr 3, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jul 15, 2019	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Aug 2, 2017	Intrafamily Transfer, Transfer COMMONWEALTH USA SETTLEMENTS L, COMMONWEALTH USA SETTLEMENTS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jul 20, 2017
Transfer Doc	00D265/001
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	686 WHITAKER ST, MOREHEAD, KY 40351-8828
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A428/293
Date	Dec 22, 2020
Book Page	A428/293
Instrument	2007722

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	346 Months
Due	Oct 1, 2049

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	686 WHITAKER ST, MOREHEAD, KY 40351-8828
Transaction Type	Mortgage
Record Updated	May 1, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A416/651
Date	Apr 3, 2020
Book Page	A416/651
Instrument	2004423

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	352 Months
Due	Aug 1, 2049

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	686 WHITAKER ST, MOREHEAD, KY 40351-8828
Transaction Type	Mortgage
Record Updated	Aug 15, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A407/444
Date	Jul 15, 2019
Book Page	A407/444
Instrument	414856

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

August 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ROWAN KY
Recording Date	Aug 2, 2017
Property Address	686 WHITAKER ST, MOREHEAD, KY 40351-8828
Document Number	00D265/001
Book / Page	D265 / 001
Instrument Date	Jul 20, 2017
Instrument	405987
Transaction Type	Transfer
Record Updated	Jan 4, 2022
Title Company	COMMONWEALTH USA SETTLEMENTS L, COMMONWEALTH USA SETTLEMENTS

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	686 WHITAKER ST, MOREHEAD, KY 40351-8828

Tax Assessment & Valuation

Source: Rowan County assessment roll, as of November 18, 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	$1,006.00 (+29.64%) Homeowner's exemption	$169,400 (+23.2%) Land $35,000 Building $134,400	$169,400 (+23.2%) Land $35,000 Building $134,400
2023	$776.00 Homeowner's exemption	$137,500 Land $32,500 Building $105,000	$137,500 Land $32,500 Building $105,000

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 67% of the US · above 66% 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	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 67 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
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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