Rowan County property record for 95 Alderman Ln, Morehead, KY 40351
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,416 sqft · built 1984 |
| Lot Size | 2.29 acres (99,752 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,405 (2025) |
| Deeds & Mortgages | Sep 2024 Line of Credit Jun 2024 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 028-00 00 031.00 |
| Primary APN | 028-00 00 031.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 2,416 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Exterior Material | Brick/Stone |
| Roof Type | Gambrel |
| Roof Material | Composition Shingle |
| Lot Area | 99,752 sqft (2.29 acres) |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Oil |
| Heating Fuel | Electric |
| Account Number | 8408 |
|---|---|
| Street Address | 95 ALDERMAN LN |
| City | MOREHEAD |
| State | KY |
| Zip | 40351-7625 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HSE & 2.29A+- KY 32 |
| Jurisdiction | ROWAN KY |
| Township / Civil Division | HILDA-TRIPLETT |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 950100 |
95 Alderman Ln is owned by two individuals who acquired it in December 2019.
Source: Rowan County records, as of November 18, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 6730 FLEMINGSBURG RD, MOREHEAD, KY 40351-8242 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 6, 2024 | Deed of Trust, Mortgage · Line of Credit PEOPLES EXCHANGE BANK |
| Jun 18, 2024 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Dec 12, 2019 |
| Transfer Doc | 00D292/135 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN KY |
| Property Address | 95 ALDERMAN LN, MOREHEAD, KY 40351-7625 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|---|
| Address | 95 ALDERMAN LN, MOREHEAD, KY 40351-7625 |
| Document Number | 00A473/565 |
|---|---|
| Date | Sep 6, 2024 |
| Book Page | A473/565 |
| Instrument | 2032059 |
| Name | PEOPLES EXCHANGE BANK |
|---|---|
| Type | Bank |
| Address | MOUNT STERLING, KY 40353 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Aug 27, 2039 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | ROWAN KY |
| Recording Date | Jun 18, 2024 |
| Property Address | 95 ALDERMAN LN, MOREHEAD, KY 40351-7625 |
| Document Number | 00D292/135 |
| Book / Page | D292 / 135 |
| Instrument Date | Dec 12, 2019 |
| Instrument | 2030507 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 95 ALDERMAN LN, MOREHEAD, KY 40351-7625 |
The 2025 property tax bill for 95 Alderman Ln was $1,405.
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 | $1,405.00 | $167,900 Land $25,000 Building $142,900 | $167,900 Land $25,000 Building $142,900 |
| 2023 | $1,035.00 Homeowner's exemption | $167,900 Land $25,000 Building $142,900 | $167,900 Land $25,000 Building $142,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 95 Alderman Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2010.
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 | 1 in force |
| Nearby Flood Claims | 2 (2010) |
| Most Recent Claim | May 2010 · Severe Storms, Flooding, Mudslides, And Tornadoes |
| Claims by Event |
|
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 risk around 95 Alderman Ln is low, with a 0.06% annual chance of wildfire.
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 | 0.06% 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 21 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 |
May also be available: T-Mobile.
5G (outdoors only) and 4G LTE
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