166 Carmichael Rd, Clay City, KY 40312 Property Records

Powell County property record for 166 Carmichael Rd, Clay City, KY 40312

Property Summary

Property Type	Farm - Irrigated or Dry
Lot Size	19.8 acres (864,666 sqft)
Owner	Individual Name on File
Last Sale	$65,000 (Jan 2021)
Tax Bill	$718 (2025)
Deeds & Mortgages	May 2026 Construction Loan Jun 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`017-00-00-004.01`

Property Details

APN / Parcel Number

Primary APN	`017-00-00-004.01`
Alternative APNs	`25451600` `25451633` `108296` `109752`

Exterior

Lot Area	864,666 sqft (19.8 acres)

Location & Zoning

Account Number	109752
Street Address	166 CARMICHAEL RD
City	CLAY CITY
State	KY
Zip	40312-9679
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > Farm - Irrigated or Dry
Legal Description	19.85 ACRES
Jurisdiction	POWELL KY
Township / Civil Division	CLAY CITY
Census Block Group	2
Census Block	2035
Census Tract	970202

Owner

166 Carmichael Rd, an agricultural property, is owned by an individual who bought it in January 2021.

Source: Powell County records, as of September 11, 2026

Owner of Record	Individual Name on File
Mailing Address	2222 LITTLE HARDWICKS CREEK RD, CLAY CITY, KY 40312-9610
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.

Deeds, Mortgages & Sale History

Date	Document
May 4, 2026	Deed of Trust, Mortgage · Construction Mortgage NONE LISTED ON DOCUMENT
Jun 30, 2022	Deed, Transfer · Stand-Alone First Mortgage PEOPLES EXCHANGE BANK STANTON KY
Jan 14, 2021	Deed, Transfer · Commercial Mortgage CITIZENS GUARANTY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 14, 2021 · Amount on File
Deed Sale	Jan 14, 2021 · Amount on File
Deed Document Number	2021269310
Deed Book / Page	204 / 447
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POWELL KY
Recording Date	May 4, 2026
Property Address	166 CARMICHAEL RD, CLAY CITY, KY 40312-9679
Document Number	0000299984
Book / Page	347 / 619
Instrument Date	May 1, 2026
Instrument	2026299984
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2222 LITTLE HARDWICKS CREEK RD, CLAY CITY, KY 40312-9610
Investor	Possibly a Property Investor

Mortgage

Document Number	0000299984,
Date	May 4, 2026
Book Page	347/619
Instrument	2026299984

Lender

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	May 1, 2027

Interest

Rate	6.46%
Max Rate	-1%

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	POWELL KY
Recording Date	Jun 30, 2022
Property Address	166 CARMICHAEL RD, CLAY CITY, KY 40312-9679
Document Number	000210/545
Book / Page	210 / 545
Map Reference	CAB 2 SL 312
Instrument Date	Jun 21, 2022
Instrument	283749
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$80.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	166 CARMICHAEL RD, CLAY CITY, KY 40312-9679

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2222 LITTLE HARDWICKS CREEK RD, CLAY CITY, KY 40312-9610

Mortgage

Document Number	000306/155
Date	Jun 30, 2022
Book Page	306/155
Instrument	283750

Lender

Name	PEOPLES EXCHANGE BANK STANTON KY
Type	Bank
Address	WINCHESTER, KY 40391

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	300 Months
Due	Jun 24, 2047

Interest

Rate Type	Adjustable Rate

January 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	POWELL KY
Recording Date	Jan 14, 2021
Property Address	166 CARMICHAEL RD, CLAY CITY, KY 40312-9679
Document Number	DEED204/447
Book / Page	DEED 204 / 447
Map Reference	CAB 2 SL 312
Instrument Date	Jan 13, 2021
Instrument	269310
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$65.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	139 POWELL VALLEY RD, CLAY CITY, KY 40312-9523

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	76 CAT CREEK RD, STANTON, KY 40380-9628

Mortgage

Document Number	0000269311
Date	Jan 14, 2021
Instrument	269311

Lender

Name	CITIZENS GUARANTY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jan 13, 2041

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 166 Carmichael Rd was $718.

Source: Powell County assessment roll, as of September 11, 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	$718.00	$80,000	$80,000
2023	$731.00	$80,000	$80,000

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

Flood

FEMA maps place 166 Carmichael 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 February 17, 2010 · 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	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

Wildfire risk around 166 Carmichael Rd is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · above 70% of Kentucky
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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 23 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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