162 Smith Rd, Manchester, KY 40962 Property Records

Clay County property record for 162 Smith Rd, Manchester, KY 40962

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,144 sqft · built 1994
Lot Size	1.01 acres (43,996 sqft)
Owner	2 Individual Names on Record
Last Sale	$80,000 (Jun 2018)
Tax Bill	$955 (2025)
Deeds & Mortgages	Jun 2018 Mortgage Jun 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`099-00-00-001.01`

Property Details

APN / Parcel Number

Primary APN	`099-00-00-001.01`
Alternative APNs	`116794` `7345`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,144 sqft Living Area

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	43,996 sqft (1.01 acres)
Porch	Slab
Porch Area	264 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating Fuel	Electric

Location & Zoning

Account Number	7345
Street Address	162 SMITH RD
City	MANCHESTER
State	KY
Zip	40962-7560
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.010 ACRES & HOUSE LOT #2
Legal Lot Number	2
Jurisdiction	CLAY KY
Township / Civil Division	MANCHESTER
Census Block Group	3
Census Block	3024
Census Tract	950301

Owner

Source: Clay County records, as of July 20, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	162 SMITH RD, MANCHESTER, KY 40962-7560
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 19, 2018	Deed of Trust, Mortgage · Conventional Mortgage POLARIS HOME FUNDING CORP
Jun 19, 2018	Warranty Deed, Transfer IMAG TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 19, 2018 · Amount on Record
Deed Sale	Jun 19, 2018 · Amount on Record
Deed Document Number	2018142855
Deed Book / Page	323 / 561
Record Updated	Sep 20, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY KY
Property Address	162 SMITH RD, MANCHESTER, KY 40962-7560
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MTG225/734
Date	Jun 19, 2018
Book Page	MTG 225/734
Instrument	142856

Lender

Name	POLARIS HOME FUNDING CORP
Type	Lending Institution
Address	GLENN, MI 49416

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY KY
Recording Date	Jun 19, 2018
Property Address	162 SMITH RD, MANCHESTER, KY 40962-7560
Document Number	DEED323/561
Book / Page	DEED 323 / 561
Instrument Date	Jun 12, 2018
Instrument	142855
Transaction Type	Transfer
Record Updated	Jan 4, 2022
Title Company	IMAG TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$80.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 711, MANCHESTER, KY 40962-0711

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	162 SMITH RD, MANCHESTER, KY 40962-7560

Tax Assessment & Valuation

Source: Clay County assessment roll, as of December 22, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$955.00 (+0.1%)	$80,000 (-)	$80,000 (-)
2023	$954.00	$80,000	$80,000

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 September 28, 2007 · OpenFEMA NFIP redacted claims and policies, as of September 2026

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
Nearby Flood Policies	2 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	Moderate above 66% of the US · above 81% of Kentucky
Wildfire Likelihood	0.3% 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	MANCHESTER WATER WORKS serves 11,349 people · EPA ID KY0260737
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2022–2024) 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 55 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

May also be available: Peoples Rural Telephone Cooperative, Verizon.

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