75 Sharon Dr, Clearfield, KY 40313 Property Records

Rowan County property record for 75 Sharon Dr, Clearfield, KY 40313

Property Summary

Property Type	Single Family Home
Details	1,400 sqft
Owner	Individual Name on File
Last Sale	$95,000 (Mar 2015)
Tax Bill	$384 (2025)
Deeds & Mortgages	Sep 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`081-30 00 027.04`

Property Details

APN / Parcel Number

Primary APN	`081-30 00 027.04`
Alternative APNs	`9341` `9404` `9893`

Interior

Stories	1 Story
Building Area	1,400 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Brick
Foundation Type	Block
Roof Material	Composition Shingle
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Oil
Heating Fuel	Electric

Location & Zoning

Account Number	9893
Street Address	75 SHARON DR
City	CLEARFIELD
State	KY
Zip	40313-9637
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & LOT #4 SHARON DRIVE
Legal Lot Number	4
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	1
Census Block	1068
Census Tract	950301

Owner

75 Sharon Dr is owned and occupied by an individual who bought it in March 2015.

Source: Rowan County records, as of November 17, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	75 SHARON DR, CLEARFIELD, KY 40313-9637
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 25, 2015 · Amount on File
Deed Sale	Mar 25, 2015 · Amount on File
Deed Document Number	391728
Deed Book / Page	D255 / 280
Record Updated	Jun 8, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	75 SHARON DR, CLEARFIELD, KY 40313-9637
Transaction Type	Mortgage
Record Updated	Sep 26, 2019
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A409/566
Date	Sep 10, 2019
Book Page	A409/566
Instrument	001324

Lender

Name	DITECH FINANCIAL LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 75 Sharon Dr was $384 with a disabled person's exemption.

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	$384.00 Disabled Person's exemption	$95,000 Land $15,000 Building $80,000	$95,000 Land $15,000 Building $80,000
2023	$414.00 Disabled Person's exemption	$95,000 Land $18,000 Building $77,000	$95,000 Land $18,000 Building $77,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 75 Sharon Dr 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 94 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	94 in force
Nearby Flood Claims	39 (2002–2018)
Claims Outside the SFHA	1 of 39
Most Recent Claim	Sep 2018 · tidal / storm surge
Claims by Event	Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2015 · 14 claims Severe Storms, Tornadoes, And Flooding, Apr 2011 · 3 claims Severe Storms, Flooding, Mudslides, And Tornadoes, May 2010 · 14 claims

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

Wildfire risk around 75 Sharon Dr is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · above 67% of Kentucky
Wildfire Likelihood	0.04% 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.

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

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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