81 Hemlock Ln, Morehead, KY 40351 Property Records

Rowan County property record for 81 Hemlock Ln, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Details	built 2004
Lot Size	0.055 acres (2,432 sqft)
Owner	2 Individual Names on File
Last Sale	$239,000 (Sep 2026)
Tax Bill	$593 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Sep 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`139-00 00 018.15`

Property Details

APN / Parcel Number

Primary APN	`139-00 00 018.15`
Alternative APNs	`6642` `6644` `7031`

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	2,432 sqft (0.055 acres)
Lot Dimensions	76 ft deep x 32 ft wide

Location & Zoning

Account Number	7031
Street Address	81 HEMLOCK LN
City	MOREHEAD
State	KY
Zip	40351-7329
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT #15 & #17 139-18.17 HEMLOCK LANE & 2004 32X76 GARAGE
Legal Subdivision	HEMLOCK VIEW ACRES
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	2
Census Block	2037
Census Tract	950400

Owner

81 Hemlock Ln is owned and occupied by two individuals who bought it in September 2026.

Source: Rowan County records, as of September 15, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	81 HEMLOCK LN, MOREHEAD, KY 40351-7329
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2026	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Sep 1, 2026	Deed, Transfer · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Jan 12, 2019	Deed, Transfer BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2026 · Amount on File
Deed Sale	Sep 1, 2026 · Amount on File
Prior Sale	Jan 12, 2019 · Amount on File
Deed Document Number	20262049956
Deed Book / Page	301 / 79
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Recording Date	Sep 1, 2026
Property Address	81 HEMLOCK LN, MOREHEAD, KY 40351-7329
Document Number	0002049957
Book / Page	497 / 636
Instrument Date	Aug 26, 2026
Instrument	20262049957
Transaction Type	Mortgage
Record Updated	Sep 15, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	475 PLEASANT VLY, MOREHEAD, KY 40351-8747

Mortgage

Document Number	0002049957,
Date	Sep 1, 2026
Book Page	497/636
Instrument	20262049957

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Sep 1, 2026
Property Address	81 HEMLOCK LN, MOREHEAD, KY 40351-7329
Document Number	0002049956
Book / Page	301 / 79
Instrument Date	Aug 26, 2026
Instrument	20262049956
Transaction Type	Transfer
Record Updated	Sep 15, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$24,139.00
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	81 HEMLOCK LN, MOREHEAD, KY 40351-7329

Mortgage

Document Number	0002049957,
Date	Sep 1, 2026
Instrument	20262049957

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

January 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Jan 12, 2019
Property Address	81 HEMLOCK LN, MOREHEAD, KY 40351-7329
Document Number	D270/395
Book / Page	D270 / 395
Map Reference	CAB 1 SL 634
Instrument	412472
Transaction Type	Transfer
Record Updated	Nov 25, 2021
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount on Record
Tax	$120.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1130 ROCKFORK RD, 1130, MOREHEAD, KY 40351-8131

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 HEMLOCK LN, MOREHEAD, KY 40351-7329

Tax Assessment & Valuation

The 2025 property tax bill for 81 Hemlock Ln was $593 with a homeowner's exemption.

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	$593.00 Homeowner's exemption	$120,000 Land $19,125 Building $100,875	$120,000 Land $19,125 Building $100,875
2023	$627.00 Homeowner's exemption	$120,000 Land $19,125 Building $100,875	$120,000 Land $19,125 Building $100,875

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

Flood

FEMA maps place 81 Hemlock Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2010.

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 File median of 15 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	2 (2010–2015)
Most Recent Claim	Apr 2015 · Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides

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 81 Hemlock Ln is moderate, ranking above 46% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · above 74% of Kentucky
Wildfire Likelihood	0.07% 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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	25 / 3

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Hemlock Ln

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