975 Seas Br, Morehead, KY 40351 Property Records

Rowan County property record for 975 Seas Br, Morehead, KY 40351

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,196 sqft · built 1980
Lot Size	21.5 acres (936,540 sqft)
Owner	Individual Name on File
Last Sale	$150,000 (Jul 2019)
Tax Bill	$981 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`125-00 00 023.00`

Property Details

APN / Parcel Number

Primary APN	`125-00 00 023.00`
Alternative APNs	`8708` `8757` `9220`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,196 sqft Living Area
Basement Area	780 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Construction Type	Frame
Lot Area	936,540 sqft (21.5 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Oil
Heating Fuel	Electric

Location & Zoning

Account Number	9220
Street Address	975 SEAS BR
City	MOREHEAD
State	KY
Zip	40351-8601
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	HOUSE & 21.60A SEAS BRANCH
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	1
Census Block	1038
Census Tract	950400

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	975 SEAS BR, MOREHEAD, KY 40351-8601
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 24, 2019	Warranty Deed, Transfer · Conventional Mortgage LEXINGTON-FAYETTE URBAN COUNTY GOV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2019 · Amount on File
Deed Sale	Jul 24, 2019 · Amount on File
Deed Document Number	2000585
Deed Book / Page	D272 / 628
Record Updated	Jun 8, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	975 SEAS BR, MOREHEAD, KY 40351-8601
Transaction Type	Mortgage
Record Updated	Jul 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A451/380
Date	Jul 14, 2022
Book Page	A451/380
Instrument	2017815

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jul 1, 2042

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN KY
Recording Date	Jul 24, 2019
Property Address	975 SEAS BR, MOREHEAD, KY 40351-8601
Document Number	00D272/628
Book / Page	D272 / 628
Instrument Date	Jun 27, 2019
Instrument	2000585
Transaction Type	Transfer
Record Updated	Jan 4, 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	13 JUANITA PLLACE BELLVILLE, 13, BELLEVILLE, IL 62223

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	975 SEAS BR, MOREHEAD, KY 40351-8601

Mortgage

Document Number	0002000587
Date	Jul 24, 2019
Instrument	2000587

Lender

Name	LEXINGTON-FAYETTE URBAN COUNTY GOV
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

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	$981.00 (-1.8%)	$117,250 (-) Land $117,250	$163,600 (+9.07%) Land $60,000 Building $103,600
2023	$999.00	$117,250 Land $117,250	$150,000 Land $46,400 Building $103,600

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 File median of 10 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	22 (2010–2024)
Claims Outside the SFHA	1 of 22
Most Recent Claim	Sep 2024 · Remnants Of Hurricane Helene
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, Flooding, Landslides, And Mudslide, Jul 2015 · 5 claims Severe Storms, Flooding, Mudslides, And Tornadoes, May 2010 · 3 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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

4G LTE only, no 5G reported

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