825 Sugar Loaf Mountain Rd, Morehead, KY 40351 Property Records

Rowan County property record for 825 Sugar Loaf Mountain Rd, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Details	2,018 sqft · built 2003
Lot Size	7 acres (304,920 sqft)
Owner	2 Trust Names on File
Last Sale	$345,000 (May 2017)
Tax Bill	$2,887 (2025)
Deeds & Mortgages	Mar 2026 Transfer Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`031-00 00 025.00`

Property Details

APN / Parcel Number

Primary APN	`031-00 00 025.00`
Alternative APNs	`2930` `2970` `3121`

Interior

Stories	1 Story
Building Area	2,018 sqft Living Area
Basement Area	1,512 sqft
Unfinished Basement	1,512 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Logs
Lot Area	304,920 sqft (7 acres)
Garage Type	Detached
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	3121
Street Address	825 SUGAR LOAF MOUNTAIN RD
City	MOREHEAD
State	KY
Zip	40351-7702
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & 8.46A+- SUGARLOAF
Jurisdiction	ROWAN KY
Township / Civil Division	HILDA-TRIPLETT
Census Block Group	4
Census Block	4008
Census Tract	950100

Owner

825 Sugar Loaf Mountain Rd is owner-occupied and held in a trust since March 2026.

Source: Rowan County records, as of March 24, 2026

Owner of Record	2 Trust Names on File
Mailing Address	825 SUGAR LOAF MOUNTAIN RD, MOREHEAD, KY 40351-7702
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2026	Intrafamily Transfer, Transfer
Jan 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
May 22, 2017	Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2017 · Amount on File
Deed Sale	May 22, 2017 · Amount on File
Prior Sale	Aug 16, 2016
Deed Document Number	2017405198
Deed Book / Page	264 / 186
Last Transfer Date	Mar 9, 2026
Transfer Doc	0002044918
Record Updated	Sep 20, 2026

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ROWAN KY
Recording Date	Mar 10, 2026
Property Address	825 SUGAR LOAF MOUNTAIN RD, MOREHEAD, KY 40351-7702
Document Number	00D298/856
Book / Page	D298 / 856
Instrument Date	Mar 9, 2026
Instrument	2044918
Transaction Type	Transfer
Record Updated	Mar 25, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	825 SUGAR LOAF MOUNTAIN RD, MOREHEAD, KY 40351-7702

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	825 SUGAR LOAF MOUNTAIN RD, MOREHEAD, KY 40351-7702
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A414/186
Date	Jan 29, 2020
Book Page	A414/186
Instrument	2003640

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

May 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	May 22, 2017
Property Address	825 SUGAR LOAF MOUNTAIN RD, MOREHEAD, KY 40351-7702
Document Number	00D264/186
Book / Page	D264 / 186
Instrument Date	May 19, 2017
Instrument	405198
Transaction Type	Transfer
Record Updated	Jan 4, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$345.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	825 SUGAR LOAF MOUNTAIN RD, 825, MOREHEAD, KY 40351-7702

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	825 SUGAR LOAF MOUNTAIN RD, MOREHEAD, KY 40351-7702

Tax Assessment & Valuation

The 2025 property tax bill for 825 Sugar Loaf Mountain Rd was $2,887.

Source: Rowan County assessment roll, as of November 18, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,887.00	$345,000 Land $59,600 Building $285,400	$345,000 Land $59,600 Building $285,400
2023	$2,939.00	$345,000 Land $59,600 Building $285,400	$345,000 Land $59,600 Building $285,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 825 Sugar Loaf Mountain Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2026.

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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2026)
Most Recent Claim	May 2026 · river or lake flooding

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

Wildfire risk around 825 Sugar Loaf Mountain Rd 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	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	ROWAN WATER INC private · serves 18,765 people · EPA ID KY1030375
Water Source	Purchased surface water from MOREHEAD UTILITY PLANT BOARD
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2023
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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	200 / 20
Verizon Fixed Wireless	25 / 6

May also be available: AT&T, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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