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Single Family ResidenceResidential
$166,153$119 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 88How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

431 ROCKFORK RD

MOREHEAD, KY 40351
3
Beds
2
Baths
1,400 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
1995
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$166K
$147K low$185K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$166,153
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$132,922

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$825 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$98,600 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$10,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$88,600
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$98,600
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$98,600

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.47
18
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
34
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
79
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
92
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
15
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.3 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyRowan
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Block (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Oil
CoolingThe type of cooling or air conditioning in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.No Garage

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Tilden Hogge Elementary SchoolB-
Elementary · Grades KG–5 · 1.1 mi
M
Rowan County Middle SchoolC
Middle · Grades 6–8 · 6.4 mi
H
Rowan County Senior High SchoolB-
High · Grades 9–12 · 6.6 mi

District: Rowan County School District

Neighborhood · ZIP 40351These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.107
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.167
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.62

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.88%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.14%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.18%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.9%
PopulationHow many people live in this area.22,387
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.86 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$53,466
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$75,801
Average tempThe average temperature here across a full year.55°F
Annual precipHow much rain and melted snow falls here in a typical year.46 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.55%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

431 Rockfork Rd measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

What homes are worth in Morehead 40351

Each bar is how many homes fall in that price range. The marker is this home.

This home
$19K$523K

This home is worth more than 52% of homes in Morehead 40351.

How it measures up in Morehead 40351

The dot is this home. The mark in the middle is the typical home in Morehead 40351.

Estimated value$166,153
CheaperTypical $160,678Pricier

Pricier than 52% of homes nearby

Price per ft²$119
CheaperTypical $127Pricier

Pricier than 42% of homes nearby

Living area1,400 ft²
SmallerTypical 1,372 ft²Bigger

Bigger than 52% of homes nearby

Year built1995
OlderTypical 1992Newer

Newer than 60% of homes nearby

How 431 Rockfork Rd ranks against every home in each area.
MeasureThis homeMorehead 40351
Estimated valuepricier than$166,15352% of homes
Price per ft²pricier than$11942% of homes
Living areabigger than1,400 ft²52% of homes
Year builtnewer than199560% of homes

About 431 Rockfork Rd

How much is 431 Rockfork Rd, Morehead, KY worth?

The TopHap Estimate for 431 Rockfork Rd, Morehead, KY is $166,153 as of Jul 14, 2026. The likely range is $146,833 to $185,473. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 431 Rockfork Rd, Morehead, KY?

431 Rockfork Rd, Morehead, KY has 3 bedrooms, 2 bathrooms and 1,400 square feet of living space.

When was 431 Rockfork Rd, Morehead, KY built?

431 Rockfork Rd, Morehead, KY was built in 1995, making it 31 years old. The building has 1 story.

What schools serve 431 Rockfork Rd, Morehead, KY?

431 Rockfork Rd, Morehead, KY is assigned to Tilden Hogge Elementary School (elementary), rated B-; Rowan County Middle School (middle), rated C; Rowan County Senior High School (high), rated B-. All sit in Rowan County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 431 Rockfork Rd, Morehead, KY compare to other homes in Morehead 40351?

Among the 8,854 homes in Morehead 40351, it is worth more than 52% of them ($166,153 against a typical $160,678), its price per square foot is higher than 42% of them ($119 against a typical $127), it is bigger than 52% of them (1,400 ft² against a typical 1,372 ft²) and it is newer than 60% of them (1995 against a typical 1992). These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 431 Rockfork Rd, Morehead, KY?

The 2025 property tax bill for 431 Rockfork Rd, Morehead, KY was $825. The county assessed it at $98,600.

Closest homes

More homes in Morehead 40351

Assigned schools

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