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162 E Elm St, Clay, KY 42404 Property Records

Webster County property record for 162 E Elm St, Clay, KY 42404 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,722 sqft
Lot Size0.37 acres (16,117 sqft)
Owner2 Individual Names on File
Last Sale$155,000 (Feb 2022)
Tax Bill$1,739 (2025)
Deeds & MortgagesFeb 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN0C3-005-009

Property Details

APN / Parcel Number

Primary APN0C3-005-009
Alternative APNs
  • 5811
  • 9689
  • 9707

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms6 Rooms
Stories1 Story
Building Area1,722 sqft Finished Area
Family RoomFamily Room

Exterior

Exterior MaterialBrick Veneer
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area16,117 sqft (0.37 acres)
Lot Dimensions83 ft deep x 192 ft wide
Garage TypeCarport
CarportCarport
Parking Spaces1 Parking Space

Exterior Amenities

PorchSlab
Porch Area64 sqft
Patio Area120 sqft
Outdoor Kitchen / BBQOutdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling SystemCentral
Heating FuelElectric

Location & Zoning

Account Number9707
Street Address162 E ELM ST
CityCLAY
StateKY
Zip42404-2016
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHOUSE & LOT
Legal SubdivisionELM STREET
JurisdictionWEBSTER KY
Township / Civil DivisionCLAY
Census Block Group2
Census Block2116
Census Tract960300

Owner

Source: Webster County records · APN 0C3-005-009

Assessment roll updated November 18, 2025 · Last verified April 2026

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

Owner of Record2 Individual Names on File
Mailing Address162 E ELM ST, CLAY, KY 42404-2016
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleFeb 01, 2022 · Amount on Record
Deed SaleFeb 01, 2022 · Amount on Record
Prior SaleOct 30, 2009 · Amount on Record
Deed Document Number2022441522
Deed Book / Page314 / 396
Prior Transfer DateOct 29, 2009
Prior Transfer DocDEED273/334
Record UpdatedJun 08, 2026

February 2022: Deed, Transfer

Document TypeDeed
JurisdictionWEBSTER KY
Recording DateFeb 01, 2022
Property Address162 E ELM ST, CLAY, KY 42404-2016
Document NumberDEED314/396
Book / PageDEED 314 / 396
Instrument DateJan 28, 2022
Instrument441522
Transaction TypeTransfer
Record UpdatedApr 20, 2023
Title CompanyFOREMAN WATSON LAND TITLE LLC, FOREMAN WATSON LAND TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$155.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address28 W WEBSTER ST, SEBREE, KY 42455-2112

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address162 E ELM ST, CLAY, KY 42404-2016
InvestorPossibly a Property Investor

Mortgage

Document Number0000441523
DateFeb 01, 2022
Instrument441523
Lender
NameUS BANK NA
TypeBank
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 01, 2052

Tax Assessment & Valuation

Source: Webster County records · Assessment roll updated November 18, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateKentucky
MunicipalityClay City
CountyWebster County
Unified School DistrictWebster 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.

YearTax BillAssessed ValueAssessed Market Value
2025$1,739.00 (-0.57%)$155,000 (-)$155,000 (-)
2023$1,749.00$155,000$155,000

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 ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone A, within 100 ft
Flood Insurance CostPremium on Record
median of 12 individual NFIP policies nearby
Nearby Flood Policies12 in force
Nearby Flood Claims1 (2016)
Most Recent ClaimApr 2016, other causes

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
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

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 1,000
StarlinkSatellite (low-earth orbit)280 / 30

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

Mobile Coverage

4G LTE only, no 5G reported

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