824 Fraley Dr, Morehead, KY 40351 Property Records

Rowan County property record for 824 Fraley Dr, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,248 sqft · built 1979
Owner	Individual Name on File
Last Sale	$264,500 (May 2024)
Tax Bill	$1,802 (2025)
Deeds & Mortgages	May 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`062-00 00 007.00`

Property Details

APN / Parcel Number

Primary APN	`062-00 00 007.00`
Alternative APNs	`10708` `10758` `1217`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,248 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Construction Type	Frame
Foundation Type	Block
Roof Material	Composition Shingle
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Oil
Heating Fuel	Electric

Location & Zoning

Account Number	1217
Street Address	824 FRALEY DR
City	MOREHEAD
State	KY
Zip	40351-8886
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & LOTS 7, 8, & 9 HOLIDAY ESTATES
Legal Subdivision	HOLIDAY ESTATES
Legal Lot Number	7-9
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	3
Census Block	3007
Census Tract	950202

Owner

Source: Rowan County assessment roll, as of April 1, 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 File
Co-owner	Verified Secondary Owner
Mailing Address	824 FRALEY DR, MOREHEAD, KY 40351-8886
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 3, 2024 · Amount on Record
Deed Sale	May 3, 2024 · Amount on Record
Deed Document Number	2029728
Deed Book / Page	D291 / 606
Record Updated	Jun 8, 2026

May 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	May 3, 2024
Property Address	824 FRALEY DR, MOREHEAD, KY 40351-8886
Document Number	00D291/606
Book / Page	D291 / 606
Map Reference	MB 3 PG 88
Instrument Date	Apr 30, 2024
Instrument	2029728
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$264.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	824 FRALEY DR, MOREHEAD, KY 40351-8886

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 795, OWINGSVILLE, KY 40360-0795

Mortgage

Document Number	0002029729
Date	May 3, 2024
Instrument	2029729

Lender

Name	PEOPLES BANK OF KENTUCKY INC
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Apr 30, 2025

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	$1,802.00 (+7.9%) Homeowner's exemption	$264,500 (+34.87%) Land $35,000 Building $229,500	$264,500 (+34.87%) Land $35,000 Building $229,500
2023	$1,670.00	$196,120 Land $35,000 Building $161,120	$196,120 Land $35,000 Building $161,120

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

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

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 at the parcel

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 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Uniti Group Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20