840 Fraley Dr, Morehead, KY 40351 Property Records

Rowan County property record for 840 Fraley Dr, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,440 sqft · built 2003
Owner	Individual Name on Record
Last Sale	$274,400 (Oct 2018)
Tax Bill	$2,296 (2025)
Deeds & Mortgages	Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`062-00 00 006.00`

Property Details

APN / Parcel Number

Primary APN	`062-00 00 006.00`
Alternative APNs	`6415` `6417` `6783`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,440 sqft Living Area

Exterior

Year Built	Built 2003
Exterior Material	Brick
Foundation Type	Block
Roof Material	Composition Shingle
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	6783
Street Address	840 FRALEY DR
City	MOREHEAD
State	KY
Zip	40351-8886
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT #10 SECT 2 BLOCK B & HSE HOLIDAY ESTATES
Legal Subdivision	HOLIDAY ESTATES
Legal Block	B
Legal Lot Number	10
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	3
Census Block	3007
Census Tract	950202

Owner

Source: Rowan County records, as of November 17, 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 Record
Co-owner	Co-owner on Record
Mailing Address	840 FRALEY DR, MOREHEAD, KY 40351-8886
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2018 · Amount on Record
Deed Sale	Oct 29, 2018 · Amount on Record
Prior Sale	Nov 25, 2015 · Amount on Record
Deed Document Number	411758
Deed Book / Page	D269 / 678
Record Updated	Jun 8, 2026

October 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Oct 29, 2018
Property Address	840 FRALEY DR, MOREHEAD, KY 40351-8886
Document Number	00D269/678
Book / Page	D269 / 678
Map Reference	CAB1 SL242
Instrument Date	Oct 23, 2018
Instrument	411758
Transaction Type	Transfer
Record Updated	Aug 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$274.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 2045, INEZ, KY 41224-2045

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1071 TWO MILE RD APT C, C, WINCHESTER, KY 40391-9347

Mortgage

Document Number	0000411759
Date	Oct 29, 2018
Instrument	411759

Lender

Name	KENTUCKY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

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	$2,296.00 (-1.75%)	$274,400 (-) Land $25,000 Building $249,400	$274,400 (-) Land $25,000 Building $249,400
2023	$2,337.00	$274,400 Land $25,000 Building $249,400	$274,400 Land $25,000 Building $249,400

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

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	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)
Windstream Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20