Rowan County property record for 852 Fraley Dr, Morehead, KY 40351
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,208 sqft · built 1979 |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,262 (2025) |
| Deeds & Mortgages | Jan 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 062-00 00 004.00 |
| Primary APN | 062-00 00 004.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,208 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Cooling System | Central |
|---|---|
| Heating System | Oil |
| Heating Fuel | Electric |
| Account Number | 2930 |
|---|---|
| Street Address | 852 FRALEY DR |
| City | MOREHEAD |
| State | KY |
| Zip | 40351-8886 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HSE & LOT #12 SEC 2 HOLIDAY EST HE-2-12B |
| Legal Subdivision | HOLIDAY ESTATES |
| Legal Lot Number | 12 |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | MOREHEAD |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 950202 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 852 FRALEY DR, MOREHEAD, KY 40351-8886 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Deed Document Number | 0000112588 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Property Address | 852 FRALEY DR, MOREHEAD, KY 40351-8886 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|
| Document Number | A429/582 |
|---|---|
| Date | Jan 22, 2021 |
| Book Page | A429/582 |
| Instrument | 2008043 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 238 Months |
| Due | Nov 10, 2040 |
Source: Rowan County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Rowan County |
| Municipality | Morehead City |
| Unified School District | Rowan County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,262.00 (+12.08%) Homeowner's exemption | $199,900 (+11.98%) Land $32,000 Building $167,900 | $199,900 (+11.98%) Land $32,000 Building $167,900 |
| 2023 | $1,126.00 Homeowner's exemption | $178,520 Land $25,000 Building $153,520 | $178,520 Land $25,000 Building $153,520 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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 |
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