Clay County property record for 110 Upper Rader Rd, Manchester, KY 40962
| Property Type | Single Family Home |
|---|---|
| Details | 315 sqft · built 1970 |
| Lot Size | 2.03 acres (88,819 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,313 (2025) |
| Deeds & Mortgages | May 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 051-00-00-019.00 |
| Primary APN | 051-00-00-019.00 |
|---|---|
| Alternative APNs |
|
| Total Rooms | 1 Room |
|---|---|
| Building Area | 315 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | A-Frame |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 88,819 sqft (2.03 acres) |
| Porch | Slab |
| Patio Area | 126 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | None |
|---|---|
| Heating System | Space Heater |
| Account Number | 7125 |
|---|---|
| Street Address | 110 UPPER RADER RD |
| City | MANCHESTER |
| State | KY |
| Zip | 40962-8286 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2.039 ACRES & MOBILE HOME |
| Jurisdiction | CLAY KY |
| Township / Civil Division | SIBERT-HIMA |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 950202 |
110 Upper Rader Rd is owned and occupied by an individual who acquired it in June 2008.
Source: Clay County records, as of December 22, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 110 UPPER RADER RD, MANCHESTER, KY 40962-8286 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jun 4, 2008 |
| Transfer Doc | DEED297/144 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY KY |
| Recording Date | May 29, 2020 |
| Property Address | 110 UPPER RADER RD, MANCHESTER, KY 40962-8286 |
| Document Number | DEED330/662 |
| Book / Page | DEED 330 / 662 |
| Instrument Date | May 27, 2020 |
| Instrument | 310823 |
| Transaction Type | Transfer |
| Record Updated | Jan 4, 2022 |
| Title Company | KENTUCKY MTN LAND TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $110.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 110 UPPER RADER RD, 110, MANCHESTER, KY 40962-8286 |
| Name | Verified Name |
|---|---|
| Address | 110 UPPER RADER RD, MANCHESTER, KY 40962-8286 |
| Document Number | MTG233/215 |
|---|---|
| Date | May 29, 2020 |
| Book Page | MTG 233/215 |
| Instrument | 310824 |
| Name | ARK-LA-TEX FINANCIAL SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | PLANO, TX 75024 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2050 |
The 2025 property tax bill for 110 Upper Rader Rd was $1,313.
Source: Clay County assessment roll, as of December 22, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Clay County |
| Unified School District | Clay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,313.00 | $110,000 | $110,000 |
| 2023 | $1,312.00 | $110,000 | $110,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 110 Upper Rader Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 28, 2007
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 110 Upper Rader Rd is high, ranking above 76% of the US, with a 0.6% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 76% of the US · above 89% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.6% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | NORTH MANCHESTER WATER ASSOC private · serves 5,332 people · EPA ID KY0260266 |
|---|---|
| Water Source | Purchased surface water from MANCHESTER WATER WORKS |
| Last State Inspection | Jun 2024 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Jul 2025 Haloacetic acids resolved · Apr 2018 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 8 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.
Source: FCC Broadband Data Collection, based on 42 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber | 2,000 / 2,000 |
| Peoples Rural Telephone Cooperative Fiber | 1,000 / 1,000 |
4G LTE (outdoors only), no 5G reported
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