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Single Family ResidenceResidential
$257,854$200 / 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 87How 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
Last sold for $214,500 on Aug 2, 2023

521 ROCKFORK RD

MOREHEAD, KY 40351
3
Beds
2
Baths
1,288 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.
1998
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$258K
$224K low$291K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$214,500 · Aug 2, 2023
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.$92,398
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$73,918
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.66%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$136,853
SUN WEST MORTGAGE COMPANY INC · recorded Aug 2, 2023
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$28,603
MIDFIRST BANK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,795 (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.$214,500 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$20,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$194,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$214,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$214,500

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyRowan
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.Heat Pump
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.Garage, Attached

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

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 · 1.2 mi
M
Rowan County Middle SchoolC
Middle · Grades 6–8 · 6.5 mi
H
Rowan County Senior High SchoolB-
High · Grades 9–12 · 6.8 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

521 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.

  • Worth more than 78% of homes in Morehead 40351
  • Costs more per square foot than 93% of homes in Morehead 40351
  • Newer than 68% of homes in Morehead 40351

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 78% 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$257,854
CheaperTypical $160,678Pricier

Pricier than 78% of homes nearby

Price per ft²$200
CheaperTypical $127Pricier

Pricier than 93% of homes nearby

Living area1,288 ft²
SmallerTypical 1,372 ft²Bigger

Bigger than 44% of homes nearby

Year built1998
OlderTypical 1992Newer

Newer than 68% of homes nearby

How 521 Rockfork Rd ranks against every home in each area.
MeasureThis homeMorehead 40351
Estimated valuepricier than$257,85478% of homes
Price per ft²pricier than$20093% of homes
Living areabigger than1,288 ft²44% of homes
Year builtnewer than199868% of homes

About 521 Rockfork Rd

How much is 521 Rockfork Rd, Morehead, KY worth?

The TopHap Estimate for 521 Rockfork Rd, Morehead, KY is $257,854 as of Jul 14, 2026. The likely range is $224,299 to $291,409. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 521 Rockfork Rd, Morehead, KY last sell?

521 Rockfork Rd, Morehead, KY last sold on Aug 2, 2023 for $214,500, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 521 Rockfork Rd, Morehead, KY?

521 Rockfork Rd, Morehead, KY has 3 bedrooms, 2 bathrooms and 1,288 square feet of living space.

When was 521 Rockfork Rd, Morehead, KY built?

521 Rockfork Rd, Morehead, KY was built in 1998, making it 28 years old. The building has 1 story.

What schools serve 521 Rockfork Rd, Morehead, KY?

521 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 521 Rockfork Rd, Morehead, KY compare to other homes in Morehead 40351?

Among the 8,854 homes in Morehead 40351, it is worth more than 78% of them ($257,854 against a typical $160,678), its price per square foot is higher than 93% of them ($200 against a typical $127), it is bigger than 44% of them (1,288 ft² against a typical 1,372 ft²) and it is newer than 68% of them (1998 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 521 Rockfork Rd, Morehead, KY?

The 2025 property tax bill for 521 Rockfork Rd, Morehead, KY was $1,795. The county assessed it at $214,500.

Closest homes

More homes in Morehead 40351

Assigned schools

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