117 E Elm St, Clay, KY 42404 Property Records

Webster County property record for 117 E Elm St, Clay, KY 42404

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 2,050 sqft
Owner	Individual Name on Record
Last Sale	$157,900 (Apr 2024)
Tax Bill	$1,771 (2025)
Deeds & Mortgages	Jun 2017 Mortgage Aug 2022 Mortgage + 4 more
Flood Zone	Zone A (high risk)
APN	`0C2-007-012`

Property Details

APN / Parcel Number

Primary APN	`0C2-007-012`
Alternative APNs	`6334` `1253` `4996`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	2,050 sqft Finished Area
Basement Area	770 sqft
Family Room	Family Room
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Exterior Material	Stucco
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	48 sqft
Patio Area	104 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	4996
Street Address	117 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, as of November 17, 2025

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	PO BOX 474, CLAY, KY 42404-0474
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2017	Deed of Trust, Mortgage UNITED COMMUNITY BANK OF WEST KY INC
Aug 23, 2022	Deed of Trust, Mortgage · FHA Mortgage MOVEMENT MORTGAGE
Aug 11, 2022	Deed of Trust, Mortgage · Line of Credit INDEPENDENCE BANK OF KENTUCKY
Apr 11, 2024	Deed, Transfer · FHA Mortgage AMERANT MORTGAGE LLC
Apr 11, 2024	Deed, Transfer
Dec 27, 2019	Deed, Transfer · Line of Credit INDEPENDENCE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 11, 2024 · Amount on Record
Deed Sale	Apr 11, 2024 · Amount on Record
Prior Sale	Dec 27, 2019 · Amount on Record
Deed Document Number	460312
Deed Book / Page	322 / 576
Record Updated	Jun 8, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBSTER KY
Property Address	117 E ELM ST, CLAY, KY 42404-2017
Transaction Type	Mortgage
Record Updated	May 7, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	MTG336/306
Date	Jun 30, 2017
Book Page	MTG 336/306
Instrument	285123

Lender

Name	UNITED COMMUNITY BANK OF WEST KY INC
Type	Bank
Address	MORGANFIELD, KY 42437

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Jun 27, 2022

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBSTER KY
Property Address	117 E ELM ST, CLAY, KY 42404-2017
Transaction Type	Mortgage
Record Updated	May 7, 2024
Title Company	FOREMAN WATSON LAND TITLE LLC, FOREMAN WATSON LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000379/29
Date	Aug 23, 2022
Book Page	379/29
Instrument	448101

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBSTER KY
Property Address	117 E ELM ST, CLAY, KY 42404-2017
Transaction Type	Mortgage
Record Updated	May 7, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 E ELM ST, CLAY, KY 42404-2017

Mortgage

Document Number	000378/534
Date	Aug 11, 2022
Book Page	378/534
Instrument	447817

Lender

Name	INDEPENDENCE BANK OF KENTUCKY
Type	Bank
Address	PROVIDENCE, KY 42450

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jul 31, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	WEBSTER KY
Recording Date	Apr 11, 2024
Property Address	117 E ELM ST, CLAY, KY 42404-2017
Document Number	000322/576
Book / Page	322 / 576
Instrument Date	Apr 4, 2024
Instrument	460312
Transaction Type	Transfer
Record Updated	May 7, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$158.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	117 E ELM ST, CLAY, KY 42404-2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 E ELM ST, CLAY, KY 42404-2017

Mortgage

Document Number	0000460313
Date	Apr 11, 2024
Instrument	460313

Lender

Name	AMERANT MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

April 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	WEBSTER KY
Recording Date	Apr 11, 2024
Property Address	117 E ELM ST, CLAY, KY 42404-2017
Document Number	DEED322/576
Book / Page	DEED322 / 576
Instrument Date	Apr 4, 2024
Instrument	460312
Transaction Type	Transfer
Record Updated	Apr 25, 2024

Transaction

Amount	Amount Recorded
Tax	$158.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	117 E ELM ST, CLAY, KY 42404-2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 E ELM ST, CLAY, KY 42404-2017

December 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	WEBSTER KY
Recording Date	Dec 27, 2019
Property Address	117 E ELM ST, CLAY, KY 42404-2017
Document Number	DEED307/726
Book / Page	DEED 307 / 726
Instrument Date	Dec 23, 2019
Instrument	405544
Transaction Type	Transfer
Record Updated	May 7, 2024
Title Company	FOREMAN WATSON LAND TITLE LLC, FOREMAN WATSON LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$60.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 474, CLAY, KY 42404-0474

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	117 E ELM ST, CLAY, KY 42404-2017

Mortgage

Document Number	0000405545
Date	Dec 27, 2019
Instrument	405545

Lender

Name	INDEPENDENCE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

Source: Webster County assessment roll, as of April 1, 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	$1,771.00 (+11.38%)	$157,900 (+12.07%)	$157,900 (+12.07%)
2023	$1,590.00	$140,900	$140,900

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

Flood

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

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Low lower than 96% of the US · lower than 96% of Kentucky
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 181 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

4G LTE only, no 5G reported

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