Rowan County property record for 813 Fraley Dr, Morehead, KY 40351
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,168 sqft · built 1979 |
| Lot Size | 0.876 acres (38,195 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $265,000 (Sep 2023) |
| Tax Bill | $2,218 (2025) |
| Deeds & Mortgages | Sep 2023 Sale & Mortgage May 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 045-30 00 026.00 |
| Primary APN | 045-30 00 026.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 11 Rooms |
| Building Area | 2,168 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Architectural Style | Split Level |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 38,195 sqft (0.876 acres) |
| Garage Type | Attached |
| Garage Area | 572 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Gas |
| Account Number | 8607 |
|---|---|
| Street Address | 813 FRALEY DR |
| City | MOREHEAD |
| State | KY |
| Zip | 40351-8884 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | H & LOT 2 SECT II BLOCK A HOLIDAY & 062-17.00 |
| Legal Subdivision | HOLIDAY ESTATES |
| Legal Block | A |
| Legal Lot Number | 2 |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 950202 |
813 Fraley Dr is owned and occupied by two individuals who bought it in September 2023.
Source: Rowan County records, as of June 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 813 FRALEY DR, MOREHEAD, KY 40351-8884 |
| 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.
| Date | Document |
|---|---|
| Sep 26, 2023 | Deed, Transfer · FHA Mortgage STATEWIDE MORTGAGE LLC |
| May 17, 2019 | Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 26, 2023 · Amount on File |
| Deed Sale | Sep 26, 2023 · Amount on File |
| Prior Sale | May 17, 2019 · Amount on File |
| Deed Document Number | 20232025412 |
| Deed Book / Page | 289 / 112 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ROWAN KY |
| Recording Date | Sep 26, 2023 |
| Property Address | 813 FRALEY DR, MOREHEAD, KY 40351-8884 |
| Document Number | 00D289/112 |
| Book / Page | D289 / 112 |
| Map Reference | MB 3 PG 88&88A |
| Instrument Date | Sep 22, 2023 |
| Instrument | 2025412 |
| Transaction Type | Transfer |
| Record Updated | Oct 24, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $265.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 813 FRALEY DR, MOREHEAD, KY 40351-8884 |
| Name | Verified Name |
|---|---|
| Address | 81 CAMELOT DR, MOREHEAD, KY 40351-8316 |
| Document Number | 0002025413 |
|---|---|
| Date | Sep 26, 2023 |
| Instrument | 2025413 |
| Name | STATEWIDE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ROWAN KY |
| Recording Date | May 17, 2019 |
| Property Address | 813 FRALEY DR, MOREHEAD, KY 40351-8884 |
| Document Number | 00D271/702 |
| Book / Page | D271 / 702 |
| Map Reference | MB 3 PG 88 |
| Instrument Date | May 9, 2019 |
| Instrument | 414002 |
| Transaction Type | Transfer |
| Record Updated | Jan 4, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $190.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 316 N WILSON AVE, 316, MOREHEAD, KY 40351-1260 |
| Name | Verified Name |
|---|---|
| Address | 813 FRANLEY DRIVE, MOREHEAD, KY 40351-8884 |
| Document Number | 0000414003 |
|---|---|
| Date | May 17, 2019 |
| Instrument | 414003 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 813 Fraley Dr was $2,218.
Source: Rowan County assessment roll, as of November 18, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Rowan County |
| Municipality | Morehead City |
| Unified School District | Rowan County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,218.00 | $265,019 Land $48,919 Building $216,100 | $265,019 Land $48,919 Building $216,100 |
| 2023 | $1,618.00 (+25.33%) | $190,000 (-) Land $25,000 Building $165,000 | $190,000 (-) Land $25,000 Building $165,000 |
| 2022 | $1,291.00 Homeowner's exemption | $190,000 Land $25,000 Building $165,000 | $190,000 Land $25,000 Building $165,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 813 Fraley Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective April 18, 2011
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 813 Fraley 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 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 36 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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