Rowan County property record for 85 Derby Ln, Morehead, KY 40351
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,512 sqft · built 2000 |
| Owner | Individual Name on File |
| Last Sale | $171,000 (Sep 2022) |
| Tax Bill | $1,431 (2025) |
| Deeds & Mortgages | Sep 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 068-00 00 021.00 |
| Primary APN | 068-00 00 021.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,512 sqft Living Area |
| Year Built | Built 2000 |
|---|---|
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Material | Metal |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1112 |
|---|---|
| Street Address | 85 DERBY LN |
| City | MOREHEAD |
| State | KY |
| Zip | 40351-8901 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HSE GARAGE & LOTS 1-2-3 MCKINNEY SUBD |
| Legal Subdivision | WD MCKINNEY SUBDIVISION |
| Legal Lot Number | 1-3 |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 1 |
| Census Block | 1042 |
| Census Tract | 950302 |
85 Derby Ln is owned by an individual who bought it in September 2022.
Source: Rowan County records, as of November 17, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1323 HANCOCK RD, GEORGETOWN, IN 47122-9233 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 6, 2022 · Amount on File |
| Deed Sale | Sep 6, 2022 · Amount on File |
| Deed Document Number | 2018796 |
| Deed Book / Page | D285 / 308 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ROWAN KY |
| Recording Date | Sep 6, 2022 |
| Property Address | 85 DERBY LN, MOREHEAD, KY 40351-8901 |
| Document Number | 00D285/308 |
| Book / Page | D285 / 308 |
| Map Reference | MB 3 PG 13 |
| Instrument Date | Aug 25, 2022 |
| Instrument | 2018796 |
| Transaction Type | Transfer |
| Record Updated | Mar 7, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $171.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 85 DERBY LN, MOREHEAD, KY 40351-8901 |
| Name | Verified Name |
|---|---|
| Address | 1323 HANCOCK RD, GEORGETOWN, IN 47122-9233 |
The 2025 property tax bill for 85 Derby Ln was $1,431.
Source: Rowan County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Rowan County |
| Unified School District | Rowan County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,431.00 | $171,000 Land $16,600 Building $154,400 | $171,000 Land $16,600 Building $154,400 |
| 2023 | $1,456.00 | $171,000 Land $16,600 Building $154,400 | $171,000 Land $16,600 Building $154,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 85 Derby Ln in Zone X, an area of minimal flood risk.
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 | 6 in force |
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 risk around 85 Derby Ln is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · above 70% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.05% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Windstream DSL | 25 / 3 |
4G LTE (outdoors only), no 5G reported
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