812 Willow Dr, Morehead, KY 40351 Property Records

Rowan County property record for 812 Willow Dr, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 624 sqft
Owner	Individual Name on Record
Last Sale	$59,000 (Sep 2018)
Tax Bill	$154 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Jun 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`062-40 00 061.00`

Property Details

APN / Parcel Number

Primary APN	`062-40 00 061.00`
Alternative APNs	`1121` `1177` `1244`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	624 sqft Living Area

Exterior

Construction Type	Frame
Foundation Type	Block
Roof Material	Composition Shingle

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Account Number	1244
Street Address	812 WILLOW DR
City	MOREHEAD
State	KY
Zip	40351-8809
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	H & LOT WILLOW DRIVE
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	4
Census Block	4041
Census Tract	950202

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
Mailing Address	812 WILLOW DR, MOREHEAD, KY 40351-8809
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage WINTRUST MORTGAGE
Jun 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage WINTRUST MORTGAGE
Sep 7, 2018	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 7, 2018 · Amount on Record
Deed Sale	Sep 7, 2018 · Amount on Record
Deed Document Number	411208
Deed Book / Page	D269 / 255
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	812 WILLOW DR, MOREHEAD, KY 40351-8809
Transaction Type	Mortgage
Record Updated	Aug 19, 2020
Title Company	ELEVATED TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A421/388
Date	Aug 4, 2020
Book Page	A421/388
Instrument	2005759

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	812 WILLOW DR, MOREHEAD, KY 40351-8809
Transaction Type	Mortgage
Record Updated	Jul 30, 2019
Title Company	ELEVATED TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A407/086
Date	Jun 27, 2019
Book Page	A407/086
Instrument	414665

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Jul 1, 2044

September 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Sep 7, 2018
Property Address	812 WILLOW DR, MOREHEAD, KY 40351-8809
Document Number	00D269/255
Book / Page	D269 / 255
Map Reference	CAB1 SL4
Instrument Date	Sep 7, 2018
Instrument	411208
Transaction Type	Transfer
Record Updated	Jan 4, 2022

Transaction

Amount	Amount Recorded
Tax	$59.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	339 CUMBERLAND DR, 339, MOREHEAD, KY 40351-7675

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	812 WILLOW DR, MOREHEAD, KY 40351-8809

Tax Assessment & Valuation

Source: Rowan County assessment roll, as of April 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Rowan County
Municipality	Morehead City
Unified School District	Rowan County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$154.00 (+43.93%) Disabled Person's exemption	$67,500 (+14.41%) Land $23,500 Building $44,000	$67,500 (+14.41%) Land $23,500 Building $44,000
2023	$107.00 Disabled Person's exemption	$59,000 Land $15,000 Building $44,000	$59,000 Land $15,000 Building $44,000

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
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

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	0.03% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 79 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

May also be available: T-Mobile, Verizon.

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