166 Nelson St, Clay, KY 42404 Property Records

Webster County property record for 166 Nelson St, Clay, KY 42404

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,087 sqft
Owner	Individual Name on Record
Last Sale	$57,000 (Apr 2018)
Tax Bill	$1,520 (2025)
Deeds & Mortgages	Jan 2018 Mortgage Jan 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`023-015-027`

Property Details

APN / Parcel Number

Primary APN	`023-015-027`
Alternative APNs	`13854` `9294` `9290`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,087 sqft Finished Area
Family Room	Family Room

Exterior

Exterior Material	Brick Veneer
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Garage Type	Attached
Garage Area	575 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	384 sqft
Porch	Porch
Porch Area	236 sqft
Patio Area	1,340 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	9290
Street Address	166 NELSON ST
City	CLAY
State	KY
Zip	42404-2252
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	2096
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
Mailing Address	166 NELSON ST, CLAY, KY 42404-2252
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 8, 2018	Deed of Trust, Mortgage · Conventional Mortgage INDEPENDENCE BANK
Jan 24, 2018	Deed of Trust, Mortgage · Line of Credit INDEPENDENCE BANK OF KENTUCKY
Apr 20, 2018	Deed, Transfer · Line of Credit UNITED COMMUNITY BANK OF WEST KY IN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 20, 2018 · Amount on Record
Deed Sale	Apr 20, 2018 · Amount on Record
Deed Document Number	296627
Deed Book / Page	DEED 302 / 439
Record Updated	Jun 8, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBSTER KY
Property Address	166 NELSON ST, CLAY, KY 42404-2252
Transaction Type	Mortgage
Record Updated	Apr 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MTG339/685
Date	Jan 8, 2018
Book Page	MTG 339/685
Instrument	289314

Lender

Name	INDEPENDENCE BANK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2033

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBSTER KY
Property Address	166 NELSON ST, CLAY, KY 42404-2252
Transaction Type	Mortgage
Record Updated	Apr 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MTG340/025
Date	Jan 24, 2018
Book Page	MTG 340/025
Instrument	290767

Lender

Name	INDEPENDENCE BANK OF KENTUCKY
Type	Bank
Address	OWENSBORO, KY 42302

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jan 30, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	WEBSTER KY
Recording Date	Apr 20, 2018
Property Address	166 NELSON ST, CLAY, KY 42404-2252
Document Number	DEED302/439
Book / Page	DEED 302 / 439
Instrument Date	Apr 18, 2018
Instrument	296627
Transaction Type	Transfer
Record Updated	Apr 20, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$57.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9602 STATE ROUTE 132 W, CLAY, KY 42404-2334

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	166 NELSON ST, CLAY, KY 42404-2252

Mortgage

Document Number	0000296628
Date	Apr 20, 2018
Instrument	296628

Lender

Name	UNITED COMMUNITY BANK OF WEST KY IN
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 15, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$1,520.00 (+10.63%)	$135,500 (+11.34%)	$135,500 (+11.34%)
2023	$1,374.00	$121,700	$121,700

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
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	Not rated no burnable land within 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 211 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

5G and 4G LTE (outdoors only)

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