103 E Elm St, Clay, KY 42404 Property Records

Webster County property record for 103 E Elm St, Clay, KY 42404 · Last verified November 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,417 sqft
Owner	Company Name on File
Last Sale	$33,000 (Feb 2012)
Tax Bill	$405 (2025)
Flood Zone	Zone A (high risk)
APN	`0C2-007-013`

Property Details

APN / Parcel Number

Primary APN	`0C2-007-013`
Alternative APNs	`15393` `10846` `915`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,417 sqft Finished Area
Family Room	Family Room
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Exterior Material	Stucco
Foundation Type	Stone
Roof Type	Gable
Roof Material	Composition Shingle
Patio Area	324 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating Fuel	Gas

Location & Zoning

Account Number	915
Street Address	103 E ELM ST
City	CLAY
State	KY
Zip	42404-2017
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & LOT
Jurisdiction	WEBSTER KY
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2111
Census Tract	960300

Owner

Source: Webster County records · APN 0C2-007-013

Assessment roll updated April 1, 2025 · Last verified November 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Co-owner	Verified Secondary Owner
Mailing Address	PO BOX 467, CLAY, KY 42404-0467
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 13, 2012 · Amount on Record
Deed Sale	Feb 13, 2012 · Amount on Record
Deed Document Number	197521
Deed Book / Page	280 / 607
Record Updated	Jun 08, 2026

Tax Assessment & Valuation

Source: Webster County records · Assessment roll updated April 1, 2025 · Last verified November 2025

Property Jurisdictions

Type	Name
State	Kentucky
Municipality	Clay City
County	Webster County
Unified School District	Webster County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$405.00 (+8.87%)	$36,100 (+9.39%)	$36,100 (+9.39%)
2023	$372.00	$33,000	$33,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Webster County (21233C), updated October 7, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 212339603002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone A
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 12 individual NFIP policies nearby
Nearby Flood Policies	12 in force
Nearby Flood Claims	1 (2016)
Most Recent Claim	Apr 2016, other causes

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 181 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.