987 McBrayer Rd, Clearfield, KY 40313 Property Records

Rowan County property record for 987 McBrayer Rd, Clearfield, KY 40313

Property Summary

Property Type	Mobile Home
Details	1 ba · built 1991
Owner	Individual Name on Record
Last Sale	$60,000 (Apr 2022)
Deeds & Mortgages	Sep 2026 Construction Loan Aug 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`063-40 00 076.01`

Property Details

APN / Parcel Number

Primary APN	`063-40 00 076.01`

Interior

Full Baths	1 Bath

Exterior

Year Built	Built 1991

Location & Zoning

Street Address	987 MCBRAYER RD
City	CLEARFIELD
State	KY
Zip	40313-9402
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	LOT & MOBILE HOME MCBRAYER RD
Jurisdiction	ROWAN KY
Township / Civil Division	MOREHEAD
Census Block Group	2
Census Block	2001
Census Tract	950302

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 Record
Co-owner	Co-owner on Record
Mailing Address	115 BEECHWOOD LN, MOREHEAD, KY 40351-9754
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2026	Deed of Trust, Mortgage · Construction Mortgage COMMERCIAL BANK
Aug 2, 2023	Deed of Trust, Mortgage · Commercial Mortgage COMMERCIAL BANK
Apr 12, 2022	Survivorship Deed, Transfer · Line of Credit COMMERCE BANK
Jul 24, 2019	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 12, 2022 · Amount on Record
Deed Sale	Apr 12, 2022 · Amount on Record
Prior Sale	Jul 24, 2019
Deed Document Number	2016063
Deed Book / Page	D283 / 548
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Recording Date	Sep 14, 2026
Property Address	987 MCBRAYER RD, CLEARFIELD, KY 40313-9402
Document Number	0002050346
Book / Page	498 / 198
Instrument Date	Aug 28, 2026
Instrument	20262050346
Transaction Type	Mortgage
Record Updated	Sep 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	266 MINOR RD, WEST LIBERTY, KY 41472-9250
Investor	Possibly a Property Investor

Mortgage

Document Number	0002050346,
Date	Sep 14, 2026
Book Page	498/198
Instrument	20262050346

Lender

Name	COMMERCIAL BANK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Aug 28, 2027

Interest

Max Rate	-1%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN KY
Property Address	987 MCBRAYER RD, CLEARFIELD, KY 40313-9402
Transaction Type	Mortgage
Record Updated	Nov 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	266 MINOR RD, WEST LIBERTY, KY 41472-9250

Mortgage

Document Number	00A461/838
Date	Aug 2, 2023
Book Page	A461/838
Instrument	2024271

Lender

Name	COMMERCIAL BANK
Type	Bank
Address	WEST LIBERTY, KY 41472

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	61 Months
Due	Sep 1, 2028

April 2022: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	ROWAN KY
Recording Date	Apr 12, 2022
Property Address	987 MCBRAYER RD, CLEARFIELD, KY 40313-9402
Document Number	00D283/548
Book / Page	D283 / 548
Instrument Date	Apr 7, 2022
Instrument	2016063
Transaction Type	Transfer
Record Updated	Nov 27, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$60.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	987 MCBRAYER RD, CLEARFIELD, KY 40313-9402

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 DEHART RD, WEST LIBERTY, KY 41472-9626
Investor	Possibly a Property Investor

Mortgage

Document Number	0002016064
Date	Apr 12, 2022
Instrument	2016064

Lender

Name	COMMERCE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Apr 15, 2037

July 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN KY
Recording Date	Jul 24, 2019
Property Address	987 MCBRAYER RD, CLEARFIELD, KY 40313-9402
Document Number	00D272/621
Book / Page	D272 / 621
Instrument Date	Jun 13, 2019
Instrument	2000584
Transaction Type	Transfer
Record Updated	Nov 27, 2023

Transaction

Tax	$42.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	157 WILLOW LN, WELLINGTON, KY 40387-8023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 BEECHWOOD LN, MOREHEAD, KY 40351-9754

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	Homeowner's exemption	$39,300 (-) Land $15,000 Building $24,300	$39,300 (-) Land $15,000 Building $24,300
2023	Disabled Person's exemption	$39,300 Land $15,000 Building $24,300	$39,300 Land $15,000 Building $24,300

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	1 (2010)
Most Recent Claim	May 2010 · Severe Storms, Flooding, Mudslides, And Tornadoes

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 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach

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 153 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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