970 Bluestone Rd, Morehead, KY 40351 Property Records

Rowan County property record for 970 Bluestone Rd, Morehead, KY 40351

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,452 sqft · built 2001
Lot Size	3 acres (130,680 sqft)
Owner	Individual Name on File
Last Sale	$10,000 (Sep 2021)
Tax Bill	$1,255 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Sep 2021 Sale & Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`032-00 00 027.00`

Property Details

APN / Parcel Number

Primary APN	`032-00 00 027.00`
Alternative APNs	`8818` `8858` `9334`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,452 sqft Living Area

Exterior

Year Built	Built 2001
Exterior Material	Aluminum/Vinyl
Foundation Type	Brick
Roof Material	Composition Shingle
Lot Area	130,680 sqft (3 acres)

Location & Zoning

Account Number	9334
Street Address	970 BLUESTONE RD
City	MOREHEAD
State	KY
Zip	40351-6214
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HSE & 1 A+- PLUS .895 BLUESTONE MAP 32-28.02
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	2
Census Block	2009
Census Tract	950201

Owner

970 Bluestone Rd is owned and occupied by an individual who bought it in September 2021.

Source: Rowan County records, as of November 17, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	970 BLUESTONE RD, MOREHEAD, KY 40351-6214
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Sep 10, 2021	Deed, Transfer · Line of Credit WASHINGTON SAVINGS BANK
Aug 31, 2020	Survivorship Deed, Transfer · Line of Credit COMMERCIAL BANK
Aug 31, 2018	Deed, Transfer STEWART TITLE COMPANY-F, STEWART TITLE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2021 · Amount on File
Deed Sale	Sep 10, 2021 · Amount on File
Prior Sale	Aug 31, 2020 · Amount on File
Deed Document Number	2011828
Deed Book / Page	D281 / 195
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	970 BLUESTONE RD, MOREHEAD, KY 40351-6214
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A435/382
Date	Jun 9, 2021
Book Page	A435/382
Instrument	2010125

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jun 1, 2041

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Sep 10, 2021
Property Address	970 BLUESTONE RD, MOREHEAD, KY 40351-6214
Document Number	00D281/195
Book / Page	D281 / 195
Instrument Date	Sep 7, 2021
Instrument	2011828
Transaction Type	Transfer
Record Updated	Aug 10, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$10.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	850 BLUESTONE RD, 850, MOREHEAD, KY 40351-6213

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	970 BLUESTONE RD, MOREHEAD, KY 40351-6214

Mortgage

Document Number	0002011829
Date	Sep 10, 2021
Instrument	2011829

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	121 Months
Due	Oct 1, 2031

August 2020: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	ROWAN KY
Recording Date	Aug 31, 2020
Property Address	970 BLUESTONE RD, MOREHEAD, KY 40351-6214
Document Number	00D276/657
Book / Page	D276 / 657
Instrument Date	Jul 21, 2020
Instrument	2006196
Transaction Type	Transfer
Record Updated	Aug 10, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$150.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	970 BLUESTONE RD, 970, MOREHEAD, KY 40351-6214

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	6290 FLEMINGSBURG RD, MOREHEAD, KY 40351-9141

Mortgage

Document Number	0002006197
Date	Aug 31, 2020
Instrument	2006197

Lender

Name	COMMERCIAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Aug 21, 2025

August 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Aug 31, 2018
Property Address	970 BLUESTONE RD, MOREHEAD, KY 40351-6214
Document Number	00D269/152
Book / Page	D269 / 152
Instrument Date	Jun 26, 2018
Instrument	411107
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE CO

Transaction

Amount	Amount on Record
Tax	$170.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5168 HIGHWAY 36, 5168, SALT LICK, KY 40371-9095

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	850 BLUESTONE RD, MOREHEAD, KY 40351-6213

Tax Assessment & Valuation

The 2025 property tax bill for 970 Bluestone Rd was $1,255.

Source: Rowan County assessment roll, as of April 1, 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	$1,255.00	$150,000 Land $40,000 Building $110,000	$150,000 Land $40,000 Building $110,000
2023	$1,278.00	$150,000 Land $40,000 Building $110,000	$150,000 Land $40,000 Building $110,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 970 Bluestone Rd in Zone X, an area of minimal flood risk.

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	5 in force

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

Wildfire risk around 970 Bluestone Rd is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 63% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MOREHEAD UTILITY PLANT BOARD serves 9,052 people · EPA ID KY1030292
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Dec 2019
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 82 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, Verizon.

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