Rowan County property record for 814 Fraley Dr, Morehead, KY 40351
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,732 sqft · built 1979 |
| Owner | Individual Name on Record |
| Last Sale | $250,000 (May 2025) |
| Tax Bill | $1,657 (2025) |
| Deeds & Mortgages | Jan 2026 Second Mortgage May 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 062-00 00 009.00 |
| Primary APN | 062-00 00 009.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,732 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Oil |
| Heating Fuel | Electric |
| Account Number | 1145 |
|---|---|
| Street Address | 814 FRALEY DR |
| City | MOREHEAD |
| State | KY |
| Zip | 40351-8886 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HSE & LOT #5 & #4 BLOCK B SECT II HOLIDAY EST MAP 62-10 |
| Legal Subdivision | HOLIDAY ESTATES |
| Legal Block | B |
| Legal Lot Number | 4-5 |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 950202 |
Source: Rowan County records, as of November 17, 2025
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 | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 80 FISH HATCHERY RD, MOREHEAD, KY 40351-9228 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 16, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage MEMBERS HERITAGE FCU |
| May 20, 2025 | Deed, Transfer · Conventional Mortgage MEMBERS HERITAGE FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 20, 2025 · Amount on Record |
| Deed Sale | May 20, 2025 · Amount on Record |
| Prior Sale | Jul 6, 2016 · Amount on Record |
| Deed Document Number | 2037146 |
| Deed Book / Page | D295 / 503 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Property Address | 814 FRALEY DR, MOREHEAD, KY 40351-8886 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00A489/233 |
|---|---|
| Date | Jan 16, 2026 |
| Book Page | A489/233 |
| Instrument | 2043705 |
| Name | MEMBERS HERITAGE FCU |
|---|---|
| Type | Credit Union |
| Address | LEXINGTON, KY 40511 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 1, 2041 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ROWAN KY |
| Recording Date | May 20, 2025 |
| Property Address | 814 FRALEY DR, MOREHEAD, KY 40351-8886 |
| Document Number | 00D295/503 |
| Book / Page | D295 / 503 |
| Instrument Date | May 15, 2025 |
| Instrument | 2037146 |
| Transaction Type | Transfer |
| Record Updated | Nov 18, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $250.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 814 FRALEY DR, MOREHEAD, KY 40351-8886 |
| Name | Verified Name |
|---|---|
| Address | 80 FISH HATCHERY RD, MOREHEAD, KY 40351-9228 |
| Document Number | 0002037147 |
|---|---|
| Date | May 20, 2025 |
| Instrument | 2037147 |
| Name | MEMBERS HERITAGE FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2055 |
Source: Rowan County assessment roll, as of April 1, 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 | $1,657.00 (+27.95%) | $198,000 (+30.26%) Land $40,000 Building $158,000 | $198,000 (+30.26%) Land $40,000 Building $158,000 |
| 2023 | $1,295.00 | $152,000 Land $25,000 Building $127,000 | $152,000 Land $25,000 Building $127,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 66% 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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