885 Sugar Loaf Mountain Rd, Morehead, KY 40351 Property Records

Rowan County property record for 885 Sugar Loaf Mountain Rd, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Details	2,256 sqft · built 1996
Lot Size	0.731 acres (31,842 sqft)
Owner	2 Individual Names on Record
Last Sale	$274,900 (Sep 2024)
Tax Bill	$2,300 (2025)
Deeds & Mortgages	Nov 2018 Mortgage Aug 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`031-00 00 020.03`

Property Details

APN / Parcel Number

Primary APN	`031-00 00 020.03`
Alternative APNs	`11595` `2747` `2787`

Interior

Stories	1 Story
Building Area	2,256 sqft Living Area

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	31,842 sqft (0.731 acres)
Garage Type	Attached
Garage Area	550 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	11595
Street Address	885 SUGAR LOAF MOUNTAIN RD
City	MOREHEAD
State	KY
Zip	40351-7702
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & LOT #1-.731A SUGARLOAF MTN
Legal Subdivision	NO SUBDIVISION
Legal Lot Number	1
Jurisdiction	ROWAN KY
Township / Civil Division	HILDA-TRIPLETT
Census Block Group	4
Census Block	4008
Census Tract	950100

Owner

Source: Rowan County records, as of November 18, 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	561 HICKORY POINTE DR, MOREHEAD, KY 40351
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2018	Deed of Trust, Mortgage · Conventional Mortgage DITECH FINANCIAL LLC
Aug 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage KENTUCKY BANK
Sep 18, 2024	Deed, Transfer · Commercial Mortgage THE CITIZENS BANK
Aug 28, 2019	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2024 · Amount on Record
Deed Sale	Sep 18, 2024 · Amount on Record
Deed Document Number	20242032211
Deed Book / Page	293 / 220
Prior Transfer Date	Aug 22, 2019
Prior Transfer Doc	00D273/230
Record Updated	Jun 8, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	885 SUGAR LOAF MOUNTAIN RD, MOREHEAD, KY 40351-7702
Transaction Type	Mortgage
Record Updated	Jan 20, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A400/249
Date	Nov 21, 2018
Book Page	A400/249
Instrument	411992

Lender

Name	DITECH FINANCIAL LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2033

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	885 SUGAR LOAF MOUNTAIN RD, MOREHEAD, KY 40351-7702
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A409/147
Date	Aug 28, 2019
Book Page	A409/147
Instrument	2001132

Lender

Name	KENTUCKY BANK
Type	Bank
Address	PARIS, KY 40362

Agreement

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

September 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Sep 18, 2024
Property Address	885 SUGAR LOAF MOUNTAIN RD, MOREHEAD, KY 40351-7702
Document Number	00D293/220
Book / Page	D293 / 220
Instrument Date	Sep 16, 2024
Instrument	2032211
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$275.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	885 SUGAR LOAF MOUNTAIN RD, MOREHEAD, KY 40351-7702

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	885 SUGAR LOAF MOUNTAIN RD, MOREHEAD, KY 40351-7702

Mortgage

Document Number	0002032212
Date	Sep 18, 2024
Instrument	2032212

Lender

Name	THE CITIZENS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Sep 16, 2034

August 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ROWAN KY
Recording Date	Aug 28, 2019
Property Address	885 SUGAR LOAF MOUNTAIN RD, MOREHEAD, KY 40351-7702
Document Number	00D273/230
Book / Page	D273 / 230
Instrument Date	Aug 22, 2019
Instrument	2001131
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3025 HONEYLOCUST LN, INDIAN LAND, SC 29707-6896

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	885 SUGAR LOAF MOUNTAIN RD, MOREHEAD, KY 40351-7702

Tax Assessment & Valuation

Source: Rowan County assessment roll, as of November 18, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,300.00 (+68.37%)	$274,900 (+71.43%) Land $25,000 Building $249,900	$274,900 (+71.43%) Land $25,000 Building $249,900
2023	$1,366.00	$160,360 Land $10,000 Building $150,360	$160,360 Land $10,000 Building $150,360

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 · 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	2 in force
Nearby Flood Claims	1 (2026)
Most Recent Claim	May 2026 · river or lake flooding

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

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	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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	200 / 20
Verizon Fixed Wireless	25 / 6

May also be available: AT&T, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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