89 Valley View Rd, Morehead, KY 40351 Property Records

Rowan County property record for 89 Valley View Rd, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,638 sqft · built 2002
Owner	Individual Name on Record
Last Sale	$162,000 (Apr 2019)
Tax Bill	$1,355 (2025)
Deeds & Mortgages	Aug 2019 Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`043-20 00 018.01`

Property Details

APN / Parcel Number

Primary APN	`043-20 00 018.01`
Alternative APNs	`3138` `3171` `3337`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,638 sqft Living Area

Exterior

Year Built	Built 2002
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	3337
Street Address	89 VALLEY VIEW RD
City	MOREHEAD
State	KY
Zip	40351-9003
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & LOT #4 WHIPPOORWILL VALLEY
Legal Subdivision	WHIPPOORWILL VALLEY
Legal Lot Number	4
Jurisdiction	ROWAN KY
Township / Civil Division	HILDA-TRIPLETT
Census Block Group	4
Census Block	4005
Census Tract	950100

Owner

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	89 VALLEY VIEW RD, MOREHEAD, KY 40351-9003
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2019	Deed of Trust, Mortgage · Stand-Alone First Mortgage LEXINGTON-FAYETTE URBAN COUNTY GOV
Mar 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage STOCKTON MORTGAGE CORP
Apr 25, 2019	Warranty Deed, Transfer · FHA Mortgage STOCKTON MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 25, 2019 · Amount on Record
Deed Sale	Apr 25, 2019 · Amount on Record
Deed Document Number	413737
Deed Book / Page	D271 / 516
Record Updated	Jun 8, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	89 VALLEY VIEW RD, MOREHEAD, KY 40351-9003
Transaction Type	Mortgage
Record Updated	Aug 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A409/055
Date	Aug 23, 2019
Book Page	A409/055
Instrument	2001079

Lender

Name	LEXINGTON-FAYETTE URBAN COUNTY GOV
Type	Government Agency
Address	FRANKFORT, KY 40601

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	117 Months
Due	May 1, 2029

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	89 VALLEY VIEW RD, MOREHEAD, KY 40351-9003
Transaction Type	Mortgage
Record Updated	Mar 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A431/472
Date	Mar 10, 2021
Book Page	A431/472
Instrument	2008531

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company
Address	FRANKFORT, KY 40601

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN KY
Recording Date	Apr 25, 2019
Property Address	89 VALLEY VIEW RD, MOREHEAD, KY 40351-9003
Document Number	00D271/516
Book / Page	D271 / 516
Instrument Date	Apr 15, 2019
Instrument	413737
Transaction Type	Transfer
Record Updated	Jan 4, 2022
Title Company	KENTUCKY MTN LAND TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$162.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	170 DOUBLE EAGLE CT, 170, MOREHEAD, KY 40351-6600

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	89 VALLEY VIEW RD, MOREHEAD, KY 40351-9003

Mortgage

Document Number	0000413738
Date	Apr 25, 2019
Instrument	413738

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

Mortgage

Document Number	00A405/166
Date	Apr 25, 2019
Book Page	A405/166
Instrument	413739

Lender

Name	LEXINGTON-FAYETTE URBAN COUNTY GOV
Type	Government Agency
Address	FRANKFORT, KY 40601

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	May 1, 2029

Tax Assessment & Valuation

Source: Rowan County assessment roll, as of April 1, 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	$1,355.00 (-1.81%)	$162,000 (-) Land $10,000 Building $152,000	$162,000 (-) Land $10,000 Building $152,000
2023	$1,380.00	$162,000 Land $10,000 Building $152,000	$162,000 Land $10,000 Building $152,000

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 · 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 31 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

Nearby Properties on Valley View Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures