Rowan County property record for 714 White St, Morehead, KY 40351
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 962 sqft |
| Lot Size | 0.257 acres (11,231 sqft) |
| Owner | Individual Name on File |
| Last Sale | $90,000 (Nov 2023) |
| Tax Bill | $894 (2025) |
| Deeds & Mortgages | Nov 2023 Sale & Mortgage Aug 2023 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 080-20 10 057.00 |
| Primary APN | 080-20 10 057.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 962 sqft Living Area |
| Roof Type | Gable |
|---|---|
| Lot Area | 11,231 sqft (0.257 acres) |
| Total Buildings | 2 Buildings |
| Heating Fuel | Gas |
|---|
| Account Number | 5292 |
|---|---|
| Street Address | 714 WHITE ST |
| City | MOREHEAD |
| State | KY |
| Zip | 40351-1470 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & LOT WHITE STREET |
| Legal Subdivision | MINNIE THOMAS ADDITION |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 4 |
| Census Block | 4049 |
| Census Tract | 950202 |
714 White St is owned by an individual who bought it in November 2023.
Source: Rowan County records, as of November 18, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 20 DALE LN, MOREHEAD, KY 40351-9207 |
| 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.
| Date | Document |
|---|---|
| Nov 30, 2023 | Deed, Transfer · Stand-Alone First Mortgage THE CITIZENS BANK |
| Aug 8, 2023 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 30, 2023 · Amount on File |
| Deed Sale | Nov 30, 2023 · Amount on File |
| Prior Sale | Aug 8, 2023 · Amount on File |
| Deed Document Number | 20232026773 |
| Deed Book / Page | 290 / 8 |
| Prior Transfer Date | Jul 21, 2023 |
| Prior Transfer Doc | 0002024250 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ROWAN KY |
| Recording Date | Nov 30, 2023 |
| Property Address | 714 WHITE ST, MOREHEAD, KY 40351-1470 |
| Document Number | 0000D290/8 |
| Book / Page | D290 / 8 |
| Instrument Date | Nov 30, 2023 |
| Instrument | 2026773 |
| Transaction Type | Transfer |
| Record Updated | Dec 20, 2023 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $140.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 20 DALE LN, MOREHEAD, KY 40351-9207 |
| Name | Verified Name |
|---|---|
| Address | 20 DALE LN, MOREHEAD, KY 40351-9207 |
| Document Number | 0002026777 |
|---|---|
| Date | Nov 30, 2023 |
| Instrument | 2026777 |
| Name | THE CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 37 Months |
| Due | Nov 30, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ROWAN KY |
| Recording Date | Aug 8, 2023 |
| Property Address | 714 WHITE ST, MOREHEAD, KY 40351-1470 |
| Document Number | 00D288/596 |
| Book / Page | D288 / 596 |
| Instrument Date | Aug 4, 2023 |
| Instrument | 2024366 |
| Transaction Type | Transfer |
| Record Updated | Sep 4, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 406 NORMANDY RD, VERSAILLES, KY 40383-1700 |
| Name | Verified Name |
|---|---|
| Address | 20 DALE LN, MOREHEAD, KY 40351-9207 |
The 2025 property tax bill for 714 White St was $894.
Source: Rowan County assessment roll, as of November 18, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Rowan County |
| Municipality | Morehead City |
| Unified School District | Rowan County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $894.00 | $106,900 Land $30,000 Building $76,900 | $106,900 Land $30,000 Building $76,900 |
| 2023 | $520.00 (-1.52%) | $61,140 (-) Land $15,000 Building $46,140 | $61,140 (-) Land $15,000 Building $46,140 |
| 2022 | $528.00 | $61,140 Land $15,000 Building $46,140 | $61,140 Land $15,000 Building $46,140 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 714 White St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
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 risk around 714 White St is low, with a 0.02% 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 | 0.02% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 240 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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