Rowan County property record for 903 Sugar Loaf Mountain Rd, Morehead, KY 40351
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,481 sqft |
| Lot Size | 0.75 acres (32,670 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,081 (2025) |
| Deeds & Mortgages | Jul 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 031-00 00 020.02 |
| Primary APN | 031-00 00 020.02 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,481 sqft Living Area |
| Basement Area | 390 sqft |
| Unfinished Basement | 390 sqft |
| Construction Type | Frame |
|---|---|
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 32,670 sqft (0.75 acres) |
| Garage Type | Basement |
| Garage Area | 390 sqft |
| Cooling System | Central |
|---|
| Account Number | 10674 |
|---|---|
| Street Address | 903 SUGAR LOAF MOUNTAIN RD |
| City | MOREHEAD |
| State | KY |
| Zip | 40351-8228 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | .75 A+- & HOUSE & BLDG SUGARLOAF MTN |
| Legal Subdivision | NO SUBDIVISION |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | HILDA-TRIPLETT |
| Census Block Group | 4 |
| Census Block | 4008 |
| Census Tract | 950100 |
Source: Rowan County records, as of July 20, 2026
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 | PO BOX 965, MOREHEAD, KY 40351-0965 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Property Address | 903 SUGAR LOAF MOUNTAIN RD, MOREHEAD, KY 40351-8228 |
| Transaction Type | Mortgage |
| Record Updated | Jul 31, 2019 |
| Name | Verified Name |
|---|
| Document Number | A407/309 |
|---|---|
| Date | Jul 11, 2019 |
| Book Page | A407/309 |
| Instrument | 414798 |
| Name | COLUMBIA STATE BANK |
|---|---|
| Type | Bank |
| Address | MOREHEAD, KY 40351 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 1, 2034 |
Source: Rowan County assessment roll, as of November 18, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Rowan County |
| Unified School District | Rowan County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,081.00 (-1.73%) | $129,220 (-) Land $10,000 Building $119,220 | $129,220 (-) Land $10,000 Building $119,220 |
| 2023 | $1,100.00 | $129,220 Land $10,000 Building $119,220 | $129,220 Land $10,000 Building $119,220 |
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 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · above 68% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
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 17 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Windstream DSL | 200 / 20 |
5G (outdoors only) and 4G LTE
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