I'm still wondering why the voltage was so high with no overclock.
OP, the high voltage shown in CPU-Z iz exactly why your temps were high. Manually lowering the voltage will lower your temps, but I still think something else is going on here.
Your CPU should not run voltages that high at stock settings and it shouldn't require manual intervention on your part to bring them down.
I'm not familiar with ASRock's motherboard features, but your symptoms bear a strong resemblance to an "automatic overclock" feature found on some other motherboards.
What frequency (not voltage) is CPU-Z showing when your CPU is at idle for a couple minutes?
The advice given above about lowering voltage will indeed lower your temps, but we may just be band-aiding a symptom, rather than getting to the root cause of why your motherboard saw fit to pump that much voltage to your chip in the first place.