Carter County property record for 90 Cromer Rd, Morehead, KY 40351
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 816 sqft · built 1979 |
| Lot Size | 4 acres (174,240 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $42 (2025) |
| Deeds & Mortgages | May 2017 Line of Credit May 2017 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 003-80-00-007.00 |
| Primary APN | 003-80-00-007.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 816 sqft Living Area |
| Basement Area | 816 sqft |
| Unfinished Basement | 816 sqft |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Exterior Material | Other |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 174,240 sqft (4 acres) |
| Terrain | Steep |
| View / Lot | Waterfront - Canal |
| Driveway | Driveway |
| Porch | Porch |
| Deck Area | 164 sqft |
| Patio Area | 164 sqft |
| Cooling System | None |
|---|---|
| Heating System | Space Heater |
| Account Number | 27854 |
|---|---|
| Street Address | 90 CROMER RD |
| City | MOREHEAD |
| State | KY |
| Zip | 40351-9024 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 5 W NPB |
| Legal Subdivision | SKAGGS GENERAL SURVEY INC |
| Legal Lot Number | 5 |
| Jurisdiction | CARTER KY |
| Township / Civil Division | UPPER TYGART |
| Census Block Group | 1 |
| Census Block | 1044 |
| Census Tract | 960100 |
Source: Carter County records, as of April 2, 2026
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 |
|---|---|
| Mailing Address | 3300 OPEN FORK RD, MOREHEAD, KY 40351-8634 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 24, 2017 | Deed of Trust, Mortgage · Line of Credit MOREHEAD COMMUNITY FEDERAL CREDIT UNION |
| May 24, 2017 | Deed of Trust, Mortgage · Line of Credit MOREHEAD COMMUNITY FEDERAL CREDIT UNION |
| May 24, 2017 | Deed of Trust, Mortgage · Line of Credit MOREHEAD COMMUNITY FEDERAL CREDIT UNION |
| May 24, 2017 | Deed of Trust, Mortgage · Line of Credit MOREHEAD COMMUNITY FEDERAL CREDIT UNION |
| Aug 19, 2020 | Deed of Trust, Mortgage · Line of Credit KENTUCKY BANK |
| Apr 28, 2017 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTER KY |
| Property Address | 90 CROMER RD, MOREHEAD, KY 40351-9024 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | OR375/517 |
|---|---|
| Date | May 24, 2017 |
| Book Page | OR375/517 |
| Instrument | 380378 |
| Name | MOREHEAD COMMUNITY FEDERAL CREDIT UNION |
|---|---|
| Address | MOREHEAD, KY 40351 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 23, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTER KY |
| Property Address | 90 CROMER RD, MOREHEAD, KY 40351-9024 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | OR375/517 |
|---|---|
| Date | May 24, 2017 |
| Book Page | OR375/517 |
| Instrument | 380378 |
| Name | MOREHEAD COMMUNITY FEDERAL CREDIT UNION |
|---|---|
| Address | MOREHEAD, KY 40351 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 23, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTER KY |
| Property Address | 90 CROMER RD, MOREHEAD, KY 40351-9024 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | OR375/517 |
|---|---|
| Date | May 24, 2017 |
| Book Page | OR375/517 |
| Instrument | 380378 |
| Name | MOREHEAD COMMUNITY FEDERAL CREDIT UNION |
|---|---|
| Address | MOREHEAD, KY 40351 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 23, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTER KY |
| Property Address | 90 CROMER RD, MOREHEAD, KY 40351-9024 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | OR375/517 |
|---|---|
| Date | May 24, 2017 |
| Book Page | OR375/517 |
| Instrument | 380378 |
| Name | MOREHEAD COMMUNITY FEDERAL CREDIT UNION |
|---|---|
| Address | MOREHEAD, KY 40351 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 23, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTER KY |
| Property Address | 90 CROMER RD, MOREHEAD, KY 40351-9024 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 90 CROMER RD, MOREHEAD, KY 40351-9024 |
| Document Number | OR437/1 |
|---|---|
| Date | Aug 19, 2020 |
| Book Page | OR437/1 |
| Instrument | 453947 |
| Name | KENTUCKY BANK |
|---|---|
| Type | Bank |
| Address | MOREHEAD, KY 40351 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 5, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | CARTER KY |
| Recording Date | Apr 28, 2017 |
| Property Address | 90 CROMER RD, MOREHEAD, KY 40351-9024 |
| Document Number | 0OR374/373 |
| Book / Page | OR374 / 373 |
| Map Reference | DD 175 PG 680 |
| Instrument Date | Feb 16, 2009 |
| Instrument | 380099 |
| Transaction Type | Transfer |
| Record Updated | Feb 28, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 90 CROMER RD, 90, MOREHEAD, KY 40351-9024 |
| Name | Verified Name |
|---|---|
| Address | 90 CROMER RD, MOREHEAD, KY 40351-9024 |
Source: Carter County assessment roll, as of April 2, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Carter County |
| Unified School District | Carter County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $42.00 (-2.33%) | $5,000 (-) | $5,000 (-) |
| 2023 | $43.00 | $5,000 | $5,000 |
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 June 2, 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 |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 4 (2003–2025) |
| Claims Outside the SFHA | 3 of 4 |
| Most Recent Claim | Jun 2025 · 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.
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 | 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 34 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures