845 Tracy Trl, Morehead, KY 40351 Property Records

Rowan County property record for 845 Tracy Trl, Morehead, KY 40351 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Rural Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 1995
Square Footage	1,344 sqft Living Area
Lot Size	1,282,842 sqft (29.4 acres)
Occupancy	Owner Occupied
Tax Bill	$195.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`145-00 00 002.00`
Alternative APNs	`11450` `11493` `12047`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,344 sqft Living Area
Stories	1 Stories

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Brick Exterior
Roof Construction	Gable Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	1,282,842 sqft (29.4 acres)

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Heat Pump Heating

Location & Zoning

Account Number	12047
Street Address	845 TRACY TRL
City	MOREHEAD
State	KY
Zip	40351-6288
Property Usage	Residential Property Usage
Type	Residential > Single Family > Rural Home
Legal Description	29.45 A+- & HOUSE CRANEY CR DITNEY RIDGE
Jurisdiction	ROWAN KY
Minor Civil Division	MOREHEAD
Census Blockgroup	3
Census Block	3006
Census Tract	950400

Owner

Source: Rowan County records · APN 145-00 00 002.00

Assessment roll updated November 18, 2025 · Last verified April 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 File
Mailing Address	845 TRACY TRL, MOREHEAD, KY 40351-6288
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Nov 13, 2019	Intrafamily Transfer, Transfer · Federal Housing Administration (FHA) Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 13, 2019
Deed Sale	Nov 13, 2019
Deed Doc Number	20192002072
Deed Book / Page	274 / 59
Prior Transfer Date	Nov 01, 2019
Prior Transfer Doc	00D274/059
Record Refreshed	Jun 08, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	845 TRACY TRL, MOREHEAD, KY 40351-6288
Transaction Type	Mortgage
Record Updated	May 04, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000A448/1
Date	Apr 14, 2022
Book Page	A448/1
Instrument	2016078

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	276 Months
Due	Apr 01, 2045

November 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ROWAN KY
Recording Date	Nov 13, 2019
Property Address	845 TRACY TRL, MOREHEAD, KY 40351-6288
Document Number	00D274/059
Book / Page	D274 / 059
Instrument Date	Nov 01, 2019
Instrument	2002072
Transaction Type	Transfer
Record Updated	Jan 04, 2022

Transaction

Tax	$0.00
Amount Accuracy	Zero or No Consideration Stated
Additional	Interfamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenant By Entirety
Address	845 TRACY TRL, MOREHEAD, KY 40351-6288

Mortgage

Document Number	0002002073
Date	Nov 13, 2019
Instrument	2002073

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Dec 01, 2044

Tax Assessment & Valuation

Source: Rowan County records · Assessment roll updated November 18, 2025 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$195.00 (+35.42%) Homeowner's exemption	$72,468 (+14.54%) Land $62,468 Building $10,000	$152,500 (+74.79%) Land $95,500 Building $57,000
2023	$144.00 Homeowner's exemption	$63,268 Land $53,268 Building $10,000	$87,250 Land $36,950 Building $50,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Rowan County (21205C), updated April 18, 2011 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Moderate above 40% of the US · above 71% of Kentucky
Wildfire Likelihood	About 1 in 1,429 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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