Rowan County property record for 819 Fraley Dr, Morehead, KY 40351
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,672 sqft · built 1979 |
| Lot Size | 1.83 acres (79,715 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $435,000 (Jul 2026) |
| Tax Bill | $2,428 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Dec 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 045-30 00 027.00 |
| Primary APN | 045-30 00 027.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,672 sqft Living Area |
| Basement Area | 1,248 sqft |
| Finished Basement | 1,248 sqft |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Exterior Material | Other |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 79,715 sqft (1.83 acres) |
| Garage Type | Attached |
| Garage Area | 312 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Gas |
| Account Number | 5606 |
|---|---|
| Street Address | 819 FRALEY DR |
| City | MOREHEAD |
| State | KY |
| Zip | 40351-8884 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & LOT #3 HOLIDAY ESTATES |
| Legal Subdivision | HOLIDAY ESTATES |
| Legal Lot Number | 3 |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 950202 |
Source: Rowan County records, as of July 17, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 819 FRALEY DR, MOREHEAD, KY 40351-8884 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Jul 6, 2026 | Deed, Transfer · Conventional Mortgage MORTGAGE MORTGAGE |
| Dec 6, 2022 | Warranty Deed, Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK |
| Nov 3, 2017 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 6, 2026 · Amount on Record |
| Deed Sale | Jul 6, 2026 · Amount on Record |
| Prior Sale | Dec 19, 2022 · Amount on Record |
| Deed Document Number | 20262048322 |
| Deed Book / Page | 300 / 377 |
| Prior Transfer Date | Oct 26, 2017 |
| Prior Transfer Doc | 00D266/005 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ROWAN KY |
| Recording Date | Jul 6, 2026 |
| Property Address | 819 FRALEY DR, MOREHEAD, KY 40351-8884 |
| Document Number | 0002048322 |
| Book / Page | 300 / 377 |
| Instrument Date | Jul 1, 2026 |
| Instrument | 20262048322 |
| Transaction Type | Transfer |
| Record Updated | Jul 17, 2026 |
| Title Company | KENTUCKY IN TITLE, KENTUCKY HOME TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $43,935.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Remainderman |
| Address | 819 FRALEY DR, MOREHEAD, KY 40351-8884 |
| Document Number | 0002048352, |
|---|---|
| Date | Jul 6, 2026 |
| Instrument | 20262048352 |
| Name | MORTGAGE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.51% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN KY |
| Recording Date | Dec 6, 2022 |
| Property Address | 819 FRALEY DR, MOREHEAD, KY 40351-8884 |
| Document Number | 00D286/178 |
| Book / Page | D286 / 178 |
| Map Reference | CAB 1 SL 229 |
| Instrument Date | Nov 29, 2022 |
| Instrument | 2020245 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $263.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 204 THOROUGHBRED LN, NICHOLASVILLE, KY 40356-9163 |
| Name | Verified Name |
|---|---|
| Address | 819 FRALEY DR, MOREHEAD, KY 40351-8884 |
| Document Number | 0002020246 |
|---|---|
| Date | Dec 6, 2022 |
| Instrument | 2020246 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.87% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Dec 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 6.87% |
| Index | 1-Year CMT |
| Max Rate | 10.8% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ROWAN KY |
| Recording Date | Nov 3, 2017 |
| Property Address | 819 FRALEY DR, MOREHEAD, KY 40351-8884 |
| Document Number | 00D266/005 |
| Book / Page | D266 / 005 |
| Map Reference | MB2 PG88 |
| Instrument Date | Oct 26, 2017 |
| Instrument | 407428 |
| Transaction Type | Transfer |
| Record Updated | Jun 6, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Irrevocable Trust |
| Address | 819 FRALEY DR, MOREHEAD, KY 40351-8884 |
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 | $2,428.00 (+8.15%) | $290,200 (+10.13%) Land $32,000 Building $258,200 | $290,200 (+10.13%) Land $32,000 Building $258,200 |
| 2023 | $2,245.00 | $263,500 Land $20,000 Building $243,500 | $263,500 Land $20,000 Building $243,500 |
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 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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