960 Sugar Loaf Mountain Rd, Morehead, KY 40351 Property Records

Rowan County property record for 960 Sugar Loaf Mountain Rd, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Details	3,334 sqft
Lot Size	6.15 acres (267,894 sqft)
Owner	2 Individual Names on Record
Last Sale	$70,000 (Mar 2023)
Tax Bill	$3,439 (2025)
Deeds & Mortgages	Jun 2019 Mortgage Jun 2022 Sale & Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`031-00 00 022.01`

Property Details

APN / Parcel Number

Primary APN	`031-00 00 022.01`
Alternative APNs	`4926` `7772` `8182`

Interior

Stories	1 Story
Building Area	3,334 sqft Living Area

Exterior

Exterior Material	Aluminum/Vinyl
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	267,894 sqft (6.15 acres)
Garage Type	Attached
Garage Area	600 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	8182
Street Address	960 SUGAR LOAF MOUNTAIN RD
City	MOREHEAD
State	KY
Zip	40351-8228
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE MTL BLDG POOL & 6.15A+- SUGAR LOAF MTN
Legal Subdivision	NO SUBDIVISION
Jurisdiction	ROWAN KY
Township / Civil Division	HILDA-TRIPLETT
Census Block Group	4
Census Block	4009
Census Tract	950100

Owner

Source: Rowan County records, as of June 2, 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	960 SUGAR LOAF MOUNTAIN RD, MOREHEAD, KY 40351-8228
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2019	Deed of Trust, Mortgage · Conventional Mortgage STATEWIDE MORTGAGE LLC
Jun 3, 2022	Deed, Transfer · Line of Credit COLUMBIA STATE BANK
Jul 8, 2021	Deed, Transfer · VA Mortgage QUICKEN LOANS LLC
Mar 17, 2020	Deed, Transfer · Conventional Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 10, 2023 · Amount on Record
Deed Sale	Mar 10, 2023 · Amount on Record
Prior Sale	Dec 20, 2022 · Amount on Record
Deed Document Number	20232021747
Deed Book / Page	287 / 167
Prior Transfer Date	May 31, 2022
Prior Transfer Doc	0002017200
Record Updated	Sep 20, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	960 SUGAR LOAF MOUNTAIN RD, MOREHEAD, KY 40351-8228
Transaction Type	Mortgage
Record Updated	Jan 20, 2026
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A406/494
Date	Jun 11, 2019
Book Page	A406/494
Instrument	414472

Lender

Name	STATEWIDE MORTGAGE LLC
Type	Mortgage Company
Address	LOUISVILLE, KY 40223

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Jun 3, 2022
Property Address	960 SUGAR LOAF MOUNTAIN RD, MOREHEAD, KY 40351-8228
Document Number	00D284/340
Book / Page	D284 / 340
Instrument Date	May 31, 2022
Instrument	2017203
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$460.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	960 SUGAR LOAF MOUNTAIN RD, MOREHEAD, KY 40351-8228

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	960 SUGAR LOAF MOUNTAIN RD, MOREHEAD, KY 40351-8228

Mortgage

Document Number	0002017204
Date	Jun 3, 2022
Instrument	2017204

Lender

Name	COLUMBIA STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	7 Months
Due	Jan 1, 2023

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Jul 8, 2021
Property Address	960 SUGAR LOAF MOUNTAIN RD, MOREHEAD, KY 40351-8228
Document Number	00D280/431
Book / Page	D280 / 431
Instrument Date	Jul 7, 2021
Instrument	2010668
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$365.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	960 SUGAR LOAF MOUNTAIN RD, MOREHEAD, KY 40351-8228

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	960 SUGAR LOAF MOUNTAIN RD, MOREHEAD, KY 40351-8228

Mortgage

Document Number	0002010669
Date	Jul 8, 2021
Instrument	2010669

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

March 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Mar 17, 2020
Property Address	960 SUGAR LOAF MOUNTAIN RD, MOREHEAD, KY 40351-8228
Document Number	00D275/175
Book / Page	D275 / 175
Instrument Date	Mar 16, 2020
Instrument	2004232
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$365.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	960 SUGAR LOAF MOUNTAIN RD, MOREHEAD, KY 40351-8228

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	960 SUGAR LOAF MOUNTAIN RD, MOREHEAD, KY 40351-8228
Investor	Possibly a Property Investor

Mortgage

Document Number	0002004233
Date	Mar 17, 2020
Instrument	2004233

Lender

Name	QUICKEN LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

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	$3,439.00 (-2.41%) Homeowner's exemption	$460,000 (-) Land $52,500 Building $407,500	$460,000 (-) Land $52,500 Building $407,500
2023	$3,524.00 Homeowner's exemption	$460,000 Land $52,500 Building $407,500	$460,000 Land $52,500 Building $407,500

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 66% of the US · above 66% of Kentucky
Wildfire Likelihood	0.04% 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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	200 / 20
Verizon Fixed Wireless	25 / 6

May also be available: AT&T, T-Mobile.

Cell Coverage

5G and 4G LTE (outdoors only)

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