124 Frames Branch Rd, Clay City, KY 40312 Property Records

Powell County property record for 124 Frames Branch Rd, Clay City, KY 40312

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,624 sqft · built 1982
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on Record
Last Sale	$169,500 (Mar 2021)
Tax Bill	$635 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Sep 2020 Sale & Construction Loan
Flood Zone	Zone A (high risk)
APN	`016-00-00-016.10`

Property Details

APN / Parcel Number

Primary APN	`016-00-00-016.10`
Alternative APNs	`25465982` `108460`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,624 sqft Living Area

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)
Driveway	Asphalt Driveway
Porch	Slab
Porch Area	100 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	108460
Street Address	124 FRAMES BRANCH RD
City	CLAY CITY
State	KY
Zip	40312-9690
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2 ACRES & HOUSE
Jurisdiction	POWELL KY
Township / Civil Division	CLAY CITY
Census Block Group	2
Census Block	2043
Census Tract	970202

Owner

Source: Powell County records, as of March 20, 2026

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
Mailing Address	124 FRAMES BRANCH RD, CLAY CITY, KY 40312-9690
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2021	Deed, Transfer · Conventional Mortgage STOCKTON MORTGAGE CORP
Sep 1, 2020	Deed, Construction Loan · Construction Mortgage COMMUNITY TRUST BANK INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2021 · Amount on Record
Deed Sale	Mar 31, 2021 · Amount on Record
Prior Sale	Sep 1, 2020 · Amount on Record
Deed Document Number	2021279855
Deed Book / Page	205 / 367
Record Updated	Sep 20, 2026

March 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	POWELL KY
Recording Date	Mar 31, 2021
Property Address	124 FRAMES BRANCH RD, CLAY CITY, KY 40312-9690
Document Number	DEED205/367
Book / Page	DEED 205 / 367
Instrument Date	Mar 18, 2021
Instrument	279855
Transaction Type	Transfer
Record Updated	Dec 20, 2021
Title Company	JETT TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$169.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1206 OLD MAIN ST, 1206, LEXINGTON, KY 40508-2058

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 FRAMES BRANCH RD, CLAY CITY, KY 40312-9690

Mortgage

Document Number	0000279856
Date	Mar 31, 2021
Instrument	279856

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

Mortgage

Document Number	MTG291/228
Date	Mar 31, 2021
Book Page	MTG 291/228
Instrument	279857

Lender

Name	LEXINGTON-FAYETTE URBAN COUNTY GOV
Type	Government Agency
Address	FRANKFORT, KY 40601

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2031

September 2020: Deed, Construction Loan

Document Type	Deed
Jurisdiction	POWELL KY
Recording Date	Sep 1, 2020
Property Address	124 FRAMES BRANCH RD, CLAY CITY, KY 40312-9690
Document Number	DEED203/168
Book / Page	DEED 203 / 168
Instrument Date	Aug 31, 2020
Instrument	268290
Transaction Type	Construction Loan
Record Updated	Dec 20, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$125.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	61 THOMAS CREEK RD, 61, CLEVELAND, TX 77328-4569

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 22806, LEXINGTON, KY 40522-2806

Mortgage

Document Number	0000268291
Date	Sep 1, 2020
Instrument	268291

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	9 Months
Due	May 31, 2021

Tax Assessment & Valuation

Source: Powell County assessment roll, as of March 20, 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Powell County
Unified School District	Powell County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$635.00 (-59.01%)	$169,500 (-)	$169,500 (-)
2023	$1,549.00	$169,500	$169,500

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 February 17, 2010 · 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
Nearby Flood Policies	7 in force

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 62% of the US · above 68% of Kentucky
Wildfire Likelihood	0.06% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	POWELL VALLEY WATER DISTRICT serves 7,128 people · EPA ID KY0990357
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2023
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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