778 Rockfork Rd, Morehead, KY 40351 Property Records

Rowan County property record for 778 Rockfork Rd, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,928 sqft
Lot Size	3.55 acres (154,638 sqft)
Owner	Individual Name on Record
Last Sale	$122,500 (Oct 2021)
Tax Bill	$1,025 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`075-00 00 029.01`

Property Details

APN / Parcel Number

Primary APN	`075-00 00 029.01`
Alternative APNs	`5457` `5466` `5775`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	1,928 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Roof Material	Metal
Lot Area	154,638 sqft (3.55 acres)

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Account Number	5775
Street Address	778 ROCKFORK RD
City	MOREHEAD
State	KY
Zip	40351-8129
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & 3.55 A+- ROCK FORK ROAD
Jurisdiction	ROWAN KY
Township / Civil Division	HILDA-TRIPLETT
Census Block Group	1
Census Block	1012
Census Tract	950100

Owner

Source: Rowan County records, as of November 17, 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 Record
Co-owner	Co-owner on Record
Mailing Address	778 ROCKFORK RD, MOREHEAD, KY 40351-8129
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2021	Deed, Transfer · FHA Mortgage REPUBLIC STATE MORTGAGE CO
Mar 7, 2019	Deed, Transfer · FHA Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 22, 2021 · Amount on Record
Deed Sale	Oct 22, 2021 · Amount on Record
Prior Sale	Mar 7, 2019 · Amount on Record
Deed Document Number	2013180
Deed Book / Page	D281 / 737
Record Updated	Jun 8, 2026

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Oct 22, 2021
Property Address	778 ROCKFORK RD, MOREHEAD, KY 40351-8129
Document Number	D281/737
Book / Page	D281 / 737
Instrument Date	Oct 12, 2021
Instrument	2013180
Transaction Type	Transfer
Record Updated	Nov 8, 2021
Title Company	FIVE STAR LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$122.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	29 WARREN LN, 29, MOREHEAD, KY 40351-9713

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7652 SMITH MOUNTAIN RD, CRAB ORCHARD, TN 37723-1731

Mortgage

Document Number	00D281/565
Date	Oct 22, 2021
Book Page	D281/565
Instrument	2013181

Lender

Name	REPUBLIC STATE MORTGAGE CO
Type	Mortgage Company
Address	HOUSTON, TX 77006

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

March 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Mar 7, 2019
Property Address	778 ROCKFORK RD, MOREHEAD, KY 40351-8129
Document Number	00D270/794
Book / Page	D270 / 794
Instrument Date	Feb 22, 2019
Instrument	413082
Transaction Type	Transfer
Record Updated	Jan 4, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$95.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	100 JERSEY WAY, 100, MOREHEAD, KY 40351-7400

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	778 ROCKFORK RD, MOREHEAD, KY 40351-8129

Mortgage

Document Number	0000413083
Date	Mar 7, 2019
Instrument	413083

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2049

Mortgage

Document Number	00A403/136
Date	Mar 7, 2019
Book Page	A403/136
Instrument	413084

Lender

Name	LEXINGTON-FAYETTE URBAN COUNTY GOV
Type	Government Agency
Address	FRANKFORT, KY 40601

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Mar 1, 2029

Tax Assessment & Valuation

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	$1,025.00 (-1.73%)	$122,500 (-) Land $15,000 Building $107,500	$122,500 (-) Land $15,000 Building $107,500
2023	$1,043.00	$122,500 Land $15,000 Building $107,500	$122,500 Land $15,000 Building $107,500

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	10 (2001–2017)
Claims Outside the SFHA	5 of 10
Most Recent Claim	Jun 2017 · river or lake flooding
Claims by Event	Severe Storms, Flooding, And Mudslides, Jul 2010 · 2 claims Severe Storms, Flooding, Mud And Rock Slides, And Tornadoes, May 2003 · 2 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	Low lower than 64% of the US · above 67% of Kentucky
Wildfire Likelihood	0.05% 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	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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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