900 Clearfork Rd N, Morehead, KY 40351 Property Records

Rowan County property record for 900 Clearfork Rd N, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Lot Size	1.38 acres (60,113 sqft)
Owner	Individual Name on Record
Last Sale	$40,000 (Apr 2026)
Tax Bill	$2,108 (2025)
Deeds & Mortgages	Jun 2020 Construction Loan Aug 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`058-00 00 004.05`

Property Details

APN / Parcel Number

Primary APN	`058-00 00 004.05`
Alternative APNs	`8822` `8863` `9339`

Exterior

Lot Area	60,113 sqft (1.38 acres)

Location & Zoning

Account Number	9339
Street Address	900 CLEARFORK RD N
City	MOREHEAD
State	KY
Zip	40351-8124
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & LOT 5-PHASE 1 SHELTOWEE TRAIL
Legal Subdivision	SHELTOWEE TRAIL
Legal Phase	1
Legal Lot Number	5
Jurisdiction	ROWAN KY
Township / Civil Division	HILDA-TRIPLETT
Census Block Group	1
Census Block	1048
Census Tract	950100

Owner

Source: Rowan County records, as of May 6, 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	900 CLEARFORK RD N, MOREHEAD, KY 40351-8124
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2020	Deed of Trust, Mortgage · Construction Mortgage FIRST NATIONAL BANK OF GRAYSON
Aug 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK OF GRAYSON
Aug 5, 2011	Deed of Trust, Mortgage FIFTH THIRD MORTGAGE CO
Mar 27, 2013	Deed of Trust, Mortgage MERS
Apr 24, 2026	Quit Claim Deed, Transfer · FHA Mortgage NEW AMERICAN FUNDING
Apr 16, 2019	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 24, 2026 · Amount on Record
Deed Sale	Apr 24, 2026 · Amount on Record
Prior Sale	Apr 16, 2019 · Amount on Record
Deed Document Number	20262046232
Deed Book / Page	299 / 519
Prior Transfer Date	Apr 17, 2026
Prior Transfer Doc	0002046232
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	900 CLEARFORK RD N, MOREHEAD, KY 40351-8124
Transaction Type	Mortgage
Record Updated	May 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A419/176
Date	Jun 8, 2020
Book Page	A419/176
Instrument	2005150

Lender

Name	FIRST NATIONAL BANK OF GRAYSON
Type	Bank
Address	MOREHEAD, KY 40351

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	5 Months
Due	Nov 29, 2020

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	900 CLEARFORK RD N, MOREHEAD, KY 40351-8124
Transaction Type	Mortgage
Record Updated	May 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	900 CLEARFORK N, MOREHEAD, KY 40351-8124

Mortgage

Document Number	00A438/119
Date	Aug 11, 2021
Book Page	A438/119
Instrument	2011179

Lender

Name	FIRST NATIONAL BANK OF GRAYSON
Type	Bank
Address	MOREHEAD, KY 40351

Agreement

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

August 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	900 CLEARFORK RD N, MOREHEAD, KY 40351-8124
Transaction Type	Mortgage
Record Updated	May 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A314/546561
Date	Aug 5, 2011
Book Page	A314/546-561
Instrument	373503

Lender

Name	FIFTH THIRD MORTGAGE CO
Address	5001 KINGSLEY DR # MD, CINCINNATI, OH 45227

Agreement

Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2026

March 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	900 CLEARFORK RD N, MOREHEAD, KY 40351-8124
Transaction Type	Mortgage
Record Updated	May 12, 2026
Title Company	PERFORMANCE TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A335/191206
Date	Mar 27, 2013
Book Page	A335/191-206
Instrument	382287

Lender

Name	MERS
Address	5032 PARKWAY PLAZA BLVD, CHARLOTTE, NC 28217

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2028

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROWAN KY
Recording Date	Apr 24, 2026
Property Address	900 CLEARFORK RD N, MOREHEAD, KY 40351-8124
Document Number	0002046232
Book / Page	299 / 519
Instrument Date	Apr 17, 2026
Instrument	20262046232
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	POWER SETTLEMENT SERVICES LP, EMPOWER SETTLEMENT SERVICES

Transaction

Amount	Amount Recorded
Tax	$4,040.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	900 CLEARFORK RD N, MOREHEAD, KY 40351-8124

Mortgage

Document Number	0002046237,
Date	Apr 24, 2026
Instrument	20262046237

Lender

Name	NEW AMERICAN FUNDING

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Apr 16, 2019
Property Address	900 CLEARFORK N, MOREHEAD, KY 40351-8124
Document Number	00D271/347
Book / Page	D271 / 347
Instrument Date	Mar 30, 2019
Instrument	413591
Transaction Type	Transfer
Record Updated	Feb 21, 2023

Transaction

Amount	Amount Recorded
Tax	$19.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1250 CLEARFORK N, MOREHEAD, KY 40351-8125

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	70 STATES AVE, MOREHEAD, KY 40351-7145

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	$2,108.00 (-1.77%)	$251,900 (-) Land $19,500 Building $232,400	$251,900 (-) Land $19,500 Building $232,400
2023	$2,146.00	$251,900 Land $19,500 Building $232,400	$251,900 Land $19,500 Building $232,400

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	10 (2001–2017)
Claims Outside the SFHA	5 of 10
Most Recent Claim	Jun 2017 · river or lake flooding
Claims by Event	Severe Storms, Flooding, And Mudslides, Jul 2010 · 2 claims Severe Storms, Flooding, Mud And Rock Slides, And Tornadoes, May 2003 · 2 claims

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	Moderate above 40% of the US · above 70% of Kentucky
Wildfire Likelihood	0.06% 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	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 9 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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