7635 US Hwy 60 E, Morehead, KY 40351 Property Records

Rowan County property record for 7635 US Hwy 60 E, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,060 sqft · built 1977
Lot Size	1.64 acres (71,640 sqft)
Owner	2 Individual Names on Record
Last Sale	$262,000 (Apr 2026)
Tax Bill	$1,933 (2025)
Deeds & Mortgages	Jun 2013 Mortgage Jun 2013 Line of Credit + 6 more
Flood Zone	Zone X (minimal risk)
APN	`123-00 00 081.00`

Property Details

APN / Parcel Number

Primary APN	`123-00 00 081.00`
Alternative APNs	`10797` `299` `312`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Building Area	2,060 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Split Level
Exterior Material	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	71,640 sqft (1.64 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Oil
Heating Fuel	Electric

Location & Zoning

Account Number	312
Street Address	7635 US HIGHWAY 60 E
City	MOREHEAD
State	KY
Zip	40351-9038
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & LOT + PART A FRAME HOUSE
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	1
Census Block	1012
Census Tract	950400

Owner

Source: Rowan County records, as of May 1, 2026

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	7635 US HIGHWAY 60 E, MOREHEAD, KY 40351-9038
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2013	Deed of Trust, Mortgage CITY NATIONAL BANK OF WV
Jun 7, 2013	Deed of Trust, Mortgage · Line of Credit CITY NATIONAL BANK OF WV
Apr 21, 2026	Deed, Transfer · VA Mortgage CROSSCOUNTRY MORTGAGE
Jan 19, 2023	Deed, Transfer · FHA Mortgage NATIONS DIRECT MORTGAGE LLC
Feb 7, 2022	Deed, Transfer · Conventional Mortgage GOPRIME MORTGAGE INC
Sep 3, 2021	Warranty Deed, Transfer · Line of Credit PATE FINANCIAL LLC
Sep 24, 2010	Special Warranty Deed, Transfer THE CITIZENS BANK
Aug 9, 2010	Commissioner's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 21, 2026 · Amount on Record
Deed Sale	Apr 21, 2026 · Amount on Record
Prior Sale	Jan 19, 2023 · Amount on Record
Deed Document Number	20262046158
Deed Book / Page	299 / 394
Record Updated	Sep 20, 2026

June 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	7635 US HIGHWAY 60 E, MOREHEAD, KY 40351-9038
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7635 US HIGHWAY 60 E, MOREHEAD, KY 40351-9038

Mortgage

Document Number	0A338/4355
Date	Jun 7, 2013
Book Page	A338/43-55
Instrument	383443

Lender

Name	CITY NATIONAL BANK OF WV
Address	1500 DIEDERICH BLVD, RUSSELL, KY 41169

Agreement

Amount	Amount Recorded
Term	119 Months
Due	May 5, 2023

June 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	7635 US HIGHWAY 60 E, MOREHEAD, KY 40351-9038
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7635 US HIGHWAY 60 E, MOREHEAD, KY 40351-9038

Mortgage

Document Number	0A338/3142
Date	Jun 7, 2013
Book Page	A338/31-42
Instrument	383442

Lender

Name	CITY NATIONAL BANK OF WV
Type	Seller
Address	1500 DIEDERICH BLVD, RUSSELL, KY 41169

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	358 Months
Due	Apr 24, 2043

Interest

Rate Type	Adjustable Rate

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Apr 21, 2026
Property Address	7635 US HIGHWAY 60 E, MOREHEAD, KY 40351-9038
Document Number	0002046158
Book / Page	299 / 394
Instrument Date	Apr 14, 2026
Instrument	2026.2046158
Transaction Type	Transfer
Record Updated	May 4, 2026
Title Company	LAND GROUP TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$26,462.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	7635 US HIGHWAY 60 E, MOREHEAD, KY 40351-9038

Mortgage

Document Number	0002046159,
Date	Apr 21, 2026
Instrument	2026.2046159

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Jan 19, 2023
Property Address	7635 US HIGHWAY 60 E, MOREHEAD, KY 40351-9038
Document Number	00D286/655
Book / Page	D286 / 655
Instrument Date	Dec 28, 2022
Instrument	2021008
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$231.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7635 US HIGHWAY 60 E, MOREHEAD, KY 40351-9038

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7635 US HIGHWAY 60 E, MOREHEAD, KY 40351-9038
Investor	Possibly a Property Investor

Mortgage

Document Number	0002021009
Date	Jan 19, 2023
Instrument	2021009

Lender

Name	NATIONS DIRECT MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2053

February 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Feb 7, 2022
Property Address	7635 US HIGHWAY 60 E, MOREHEAD, KY 40351-9038
Document Number	00D282/843
Book / Page	D282 / 843
Instrument Date	Jan 21, 2022
Instrument	2014844
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$210.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	538 ALEC SPENCER DR, WEST LIBERTY, KY 41472-7167

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	7635 60 EAST, MOREHEAD, KY 40351

Mortgage

Document Number	0002014845
Date	Feb 7, 2022
Instrument	2014845

Lender

Name	GOPRIME MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN KY
Recording Date	Sep 3, 2021
Property Address	7635 US HIGHWAY 60 E, MOREHEAD, KY 40351-9038
Document Number	00D281/122
Book / Page	D281 / 122
Instrument Date	Aug 27, 2021
Instrument	2011653
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	TITLE SUPPLIERS LLC, TITLE SUPPLIERS

Transaction

Amount	Amount Recorded
Tax	$72.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	22825 W US HIGHWAY 60, OLIVE HILL, KY 41164-8239

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7635 US HIGHWAY 60 E, MOREHEAD, KY 40351-9038
Investor	Possibly a Property Investor

Mortgage

Document Number	0002011654
Date	Sep 3, 2021
Instrument	2011654

Lender

Name	PATE FINANCIAL LLC
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount Recorded

September 2010: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ROWAN KY
Recording Date	Sep 24, 2010
Property Address	7635 US HIGHWAY 60 E, MOREHEAD, KY 40351-9038
Document Number	00D237/308
Book / Page	D237 / 308
Instrument Date	Sep 24, 2010
Instrument	369427
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	ONE WACKER DRIVE, CHICAGO, IL 60606

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7635 US HIGHWAY 60 E, MOREHEAD, KY 40351-9038
Investor	Possibly a Property Investor

Mortgage

Document Number	00A305/590
Date	Sep 24, 2010
Book Page	A305/590
Instrument	369428

Lender

Name	THE CITIZENS BANK
Address	MOREHEAD, KY 40351

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Sep 24, 2020

August 2010: Commissioner's Deed, Foreclosure

Document Type	Commissioner's Deed
Jurisdiction	ROWAN KY
Recording Date	Aug 9, 2010
Property Address	7635 US HIGHWAY 60 E, MOREHEAD, KY 40351-9038
Document Number	00D236/767
Book / Page	D236 / 767
Instrument Date	Jun 9, 2010
Instrument	368763
Transaction Type	Foreclosure
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	332 N WILSON AVE, MOREHEAD, KY 40351-1260

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Rowan County assessment roll, as of November 18, 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	$1,933.00 (-1.78%)	$231,000 (-) Land $15,000 Building $216,000	$231,000 (-) Land $15,000 Building $216,000
2023	$1,968.00	$231,000 Land $15,000 Building $216,000	$231,000 Land $15,000 Building $216,000

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 · 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	22 (2010–2024)
Claims Outside the SFHA	1 of 22
Most Recent Claim	Sep 2024 · Remnants Of Hurricane Helene
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, Flooding, Landslides, And Mudslide, Jul 2015 · 5 claims Severe Storms, Flooding, Mudslides, And Tornadoes, May 2010 · 3 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

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

Wildfire Risk	Moderate above 40% of the US · above 70% of Kentucky
Wildfire Likelihood	0.05% 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 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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