105 Nelson St, Clay, KY 42404 Property Records

Webster County property record for 105 Nelson St, Clay, KY 42404

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,581 sqft · built 1991
Lot Size	0.51 acres (22,216 sqft)
Owner	2 Individual Names on File
Last Sale	$237,000 (Aug 2026)
Tax Bill	$2,166 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Jan 2019 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`023-015-032`

Property Details

APN / Parcel Number

Primary APN	`023-015-032`
Alternative APNs	`10822` `6232` `6185`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	4 Stories
Building Area	2,581 sqft Finished Area
Family Room	Family Room

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Stucco
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	22,216 sqft (0.51 acres)
Lot Dimensions	150 ft deep x 150 ft wide
Garage Type	Carport
Garage Area	900 sqft
Carport	Carport
Carport Area	900 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	116 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	6185
Street Address	105 NELSON ST
City	CLAY
State	KY
Zip	42404-2253
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & LOT
Legal Subdivision	SHARON ACRES SUBDIVISION
Jurisdiction	WEBSTER KY
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2095
Census Tract	960300

Owner

105 Nelson St is owned and occupied by two individuals who bought it in August 2026.

Source: Webster County records, as of August 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	105 NELSON ST, CLAY, KY 42404-2253
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2026	Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL INC
Jan 11, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage EVANSVILLE TEACHERS FCU
Mar 15, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage EVANSVILLE TEACHERS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 6, 2026 · Amount on File
Deed Sale	Aug 6, 2026 · Amount on File
Prior Sale	Oct 17, 2014 · Amount on File
Deed Document Number	2026473376
Deed Book / Page	331 / 25
Record Updated	Sep 20, 2026

August 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	WEBSTER KY
Recording Date	Aug 6, 2026
Property Address	105 NELSON ST, CLAY, KY 42404-2253
Document Number	0000473376
Book / Page	331 / 25
Instrument Date	Jul 31, 2026
Instrument	2026473376
Transaction Type	Transfer
Record Updated	Aug 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$23,937.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	105 NELSON ST, CLAY, KY 42404-2253
Investor	Possibly a Property Investor

Mortgage

Document Number	0000473380,
Date	Aug 6, 2026
Instrument	2026473380

Lender

Name	EVERETT FINANCIAL INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.49%
Initial Type	Fixed Rate
Max Rate	-1%

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBSTER KY
Property Address	105 NELSON ST, CLAY, KY 42404-2253
Transaction Type	Mortgage
Record Updated	Apr 20, 2023
Title Company	FOREMAN WATSON LAND TITLE LLC, FREEMAN WATSON LAND TITLE LL

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MTG346/012
Date	Jan 11, 2019
Book Page	MTG 346/012
Instrument	401929

Lender

Name	EVANSVILLE TEACHERS FCU
Type	Credit Union
Address	EVANSVILLE, IN 47715

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	179 Months
Due	Dec 15, 2033

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBSTER KY
Property Address	105 NELSON ST, CLAY, KY 42404-2253
Transaction Type	Mortgage
Record Updated	Apr 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MTG363/473
Date	Mar 15, 2021
Book Page	MTG 363/473
Instrument	419433

Lender

Name	EVANSVILLE TEACHERS FCU
Type	Credit Union
Address	EVANSVILLE, IN 47715

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	179 Months
Due	Feb 15, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 105 Nelson St was $2,166.

Source: Webster County assessment roll, as of November 18, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,166.00	$193,100	$193,100
2023	$2,066.00	$183,000	$183,000

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

Flood

FEMA maps place 105 Nelson St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2016.

Source: FEMA National Flood Hazard Layer, effective October 7, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	1 (2016)
Most Recent Claim	Apr 2016 · other causes

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

The area around 105 Nelson St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land 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	CLAY WATER WORKS serves 1,287 people · EPA ID KY1170073
Water Source	Purchased surface water from WEBSTER CO WATER DISTRICT
Last State Inspection	Jun 2023
Lead	12 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jul 2020 Total trihalomethanes resolved · Jan 2017
Treatment and Procedure	Lead service line inventory Oct 2024
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 211 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Nelson St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures