856 Fraley Dr, Morehead, KY 40351 Property Records

Rowan County property record for 856 Fraley Dr, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,552 sqft · built 1984
Owner	Individual Name on File
Last Sale	$372,500 (Aug 2024)
Tax Bill	$3,117 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Mar 2020 Line of Credit + 8 more
Flood Zone	Zone X (minimal risk)
APN	`062-00 00 003.00`

Property Details

APN / Parcel Number

Primary APN	`062-00 00 003.00`
Alternative APNs	`8829` `8870` `9223`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,552 sqft Living Area

Exterior

Year Built	Built 1984
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Oil
Heating Fuel	Electric

Location & Zoning

Account Number	9223
Street Address	856 FRALEY DR
City	MOREHEAD
State	KY
Zip	40351-8886
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HSE GARAGE POOL & LOT #13 SEC 2 BLK B HOLIDAY EST
Legal Subdivision	HOLIDAY ESTATES
Legal Block	B
Legal Lot Number	13
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	3
Census Block	3007
Census Tract	950202

Owner

Source: Rowan County assessment roll, as of April 1, 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 File
Co-owner	Verified Secondary Owner
Mailing Address	856 FRALEY DR, MOREHEAD, KY 40351-8886
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Mar 16, 2020	Deed of Trust, Mortgage · Line of Credit US BANK NA
Nov 7, 2014	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF GRAYSON
Jun 25, 2025	Deed, Transfer · Conventional Mortgage CITY NATIONAL BANK OF WEST VIRGINIA
Aug 27, 2024	Deed, Transfer · Conventional Mortgage NORTH AMERICAN SAVINGS BANK FSB
Mar 28, 2019	Deed, Transfer · Conventional Mortgage US BANK NA
Aug 19, 2016	Deed, Subdivision Related Transfer ATTORNEY ONLY, ATTORNEY
Sep 12, 2014	Deed, Transfer ATTORNEY ONLY, ATTORNEY
Oct 21, 2010	Deed, Transfer
Aug 20, 2010	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 27, 2024 · Amount on Record
Deed Sale	Aug 27, 2024 · Amount on Record
Prior Sale	Mar 28, 2019 · Amount on Record
Deed Document Number	2031739
Deed Book / Page	D292 / 879
Record Updated	Sep 20, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	856 FRALEY DR, MOREHEAD, KY 40351-8886
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A416/21
Date	Mar 16, 2020
Book Page	A416/21
Instrument	2004224

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 1, 2040

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	856 FRALEY DR, MOREHEAD, KY 40351-8886
Transaction Type	Mortgage
Record Updated	Jun 29, 2026
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A416/40
Date	Mar 16, 2020
Book Page	A416/40
Instrument	2004225

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42304

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Feb 24, 2050

November 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	856 FRALEY DR, MOREHEAD, KY 40351-8886
Transaction Type	Mortgage
Record Updated	Jun 29, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A353/533
Date	Nov 7, 2014
Book Page	A353/533
Instrument	390156

Lender

Name	FIRST NATIONAL BANK OF GRAYSON
Address	GRAYSON, KY 41143

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	11 Months
Due	Oct 29, 2015

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Jun 25, 2025
Property Address	856 FRALEY DR, MOREHEAD, KY 40351-8886
Document Number	000D296/47
Book / Page	D296 / 47
Map Reference	CAB 1 SL 275&299
Instrument Date	Jun 16, 2025
Instrument	2038061
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$390.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16092 STATE ROUTE 39, LOUDONVILLE, OH 44842-9788

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4642 SHERWOOD DR, ASHLAND, KY 41101-6888

Mortgage

Document Number	0002038065
Date	Jun 25, 2025
Instrument	2038065

Lender

Name	CITY NATIONAL BANK OF WEST VIRGINIA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.29%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2032
Change Frequency	Annually
Min Rate At Change	4.29%
Max Rate At Change	8.29%
Index	1-Year CMT
Max Rate	10.2%

August 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Aug 27, 2024
Property Address	856 FRALEY DR, MOREHEAD, KY 40351-8886
Document Number	00D292/879
Book / Page	D292 / 879
Map Reference	CAB 1 SL 275
Instrument Date	Aug 13, 2024
Instrument	2031739
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	LAND GROUP R/E TITLE AND CLOSINGS, LAND GROUP RE TTL & CLOSINGS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	700 BIG WOODS RD, MOREHEAD, KY 40351-8222

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	856 FRALEY DR, MOREHEAD, KY 40351-8886

Mortgage

Document Number	0002031743
Date	Aug 27, 2024
Instrument	2031743

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2054

March 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Mar 28, 2019
Property Address	856 FRALEY DR, MOREHEAD, KY 40351-8886
Document Number	00D271/146
Book / Page	D271 / 146
Map Reference	CAB 1 SL 275&299
Instrument Date	Mar 22, 2019
Instrument	413401
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$245.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	340 RICE RD, MOREHEAD, KY 40351-9253

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	856 FRALEY DR, MOREHEAD, KY 40351-8886

Mortgage

Document Number	0000413403
Date	Mar 28, 2019
Instrument	413403

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

August 2016: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Aug 19, 2016
Property Address	856 FRALEY DR, MOREHEAD, KY 40351-8886
Document Number	00D261/033
Book / Page	D261 / 033
Map Reference	CAB2 SL296
Instrument Date	Aug 17, 2016
Instrument	400728
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 29, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$15.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	257 FLINTLOCK CIR, MOREHEAD, KY 40351-6076

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	856 FRALEY DR, MOREHEAD, KY 40351-8886

September 2014: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Sep 12, 2014
Property Address	856 FRALEY DR, MOREHEAD, KY 40351-8886
Document Number	00D253/190
Book / Page	D253 / 190
Map Reference	CAB1 SL275
Instrument Date	Sep 11, 2014
Instrument	389503
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$160.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	677 FRALEY DR, MOREHEAD, KY 40351-8882

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	856 FRALEY DR, MOREHEAD, KY 40351-8886

October 2010: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Oct 21, 2010
Property Address	856 FRALEY DR, MOREHEAD, KY 40351-8886
Document Number	00D237/511
Book / Page	D237 / 511
Instrument Date	Oct 21, 2010
Instrument	369794
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Tax	$125.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	232 CIRCLE DR, MOREHEAD, KY 40351-9745

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	856 FRALEY DR, MOREHEAD, KY 40351-8886

August 2010: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Aug 20, 2010
Property Address	856 FRALEY DR, MOREHEAD, KY 40351-8886
Document Number	000D237/57
Book / Page	D237 / 57
Instrument Date	Aug 19, 2010
Instrument	368999
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Tax	$112.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	856 FRALEY DR, MOREHEAD, KY 40351-8886

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 CIRCLE DR, MOREHEAD, KY 40351-9745

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	$3,117.00 (+49.35%)	$372,500 (+52.04%) Land $32,280 Building $340,220	$372,500 (+52.04%) Land $32,280 Building $340,220
2023	$2,087.00	$245,000 Land $25,000 Building $220,000	$245,000 Land $25,000 Building $220,000

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 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation at the parcel

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 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Uniti Group Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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