864 Fraley Dr, Morehead, KY 40351 Property Records

Rowan County property record for 864 Fraley Dr, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,680 sqft · built 1986
Owner	Individual Name on File
Last Sale	$188,000 (Feb 2019)
Tax Bill	$1,229 (2025)
Deeds & Mortgages	Sep 2019 Mortgage Feb 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`062-00 00 001.00`

Property Details

APN / Parcel Number

Primary APN	`062-00 00 001.00`
Alternative APNs	`6666` `6672` `7060`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,680 sqft Living Area

Exterior

Year Built	Built 1986
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Oil
Heating Fuel	Electric

Location & Zoning

Account Number	7060
Street Address	864 FRALEY DR
City	MOREHEAD
State	KY
Zip	40351-8886
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HSE & LOT #15 HOLIDAY ESTATES
Legal Subdivision	HOLIDAY ESTATES
Legal Lot Number	15
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	3
Census Block	3004
Census Tract	950202

Owner

864 Fraley Dr is owned and occupied by an individual who bought it in February 2019.

Source: Rowan County records, as of November 17, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	864 FRALEY DR, MOREHEAD, KY 40351-8886
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2019	Deed of Trust, Mortgage THE CITIZENS BANK
Feb 27, 2019	Deed, Transfer THE CITIZENS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 27, 2019 · Amount on File
Deed Sale	Feb 27, 2019 · Amount on File
Deed Document Number	413016
Deed Book / Page	D270 / 729
Record Updated	Jun 8, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	864 FRALEY DR, MOREHEAD, KY 40351-8886
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A409/508
Date	Sep 9, 2019
Book Page	A409/508
Instrument	001313

Lender

Name	THE CITIZENS BANK
Type	Bank
Address	MOREHEAD, KY 40351

Agreement

Amount	Amount on Record
Term	120 Months
Due	Sep 7, 2029

February 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Feb 27, 2019
Property Address	864 FRALEY DR, MOREHEAD, KY 40351-8886
Document Number	00D270/729
Book / Page	D270 / 729
Instrument Date	Feb 25, 2019
Instrument	413016
Transaction Type	Transfer
Record Updated	Jan 4, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$88.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	671 APPLE AVE, 671, OLIVE HILL, KY 41164-8370

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	304 E MAIN ST APT 4, 4, MOREHEAD, KY 40351-1627

Mortgage

Document Number	0000413017
Date	Feb 27, 2019
Instrument	413017

Lender

Name	THE CITIZENS BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	120 Months
Due	Feb 25, 2029

Tax Assessment & Valuation

The 2025 property tax bill for 864 Fraley Dr was $1,229 with a homeowner's exemption.

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	$1,229.00 Homeowner's exemption	$196,022 Land $37,122 Building $158,900	$196,022 Land $37,122 Building $158,900
2023	$1,138.00 Homeowner's exemption	$180,000 Land $20,000 Building $160,000	$180,000 Land $20,000 Building $160,000

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

Flood

FEMA maps place 864 Fraley Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 864 Fraley Dr is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · above 67% 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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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