199 Memory Ln, Manchester, KY 40962 Property Records

Clay County property record for 199 Memory Ln, Manchester, KY 40962

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,671 sqft · built 1957
Lot Size	0.994 acres (43,342 sqft)
Owner	2 Individual Names on Record
Last Sale	$80,000 (Jan 2004)
Tax Bill	$368 (2025)
Deeds & Mortgages	Jun 2007 Mortgage Dec 2010 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`082-00-00-021.00`

Property Details

APN / Parcel Number

Primary APN	`082-00-00-021.00`
Alternative APNs	`113134` `1007`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,671 sqft Living Area
Basement Area	608 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	43,342 sqft (0.994 acres)
Garage Type	Basement
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	1007
Street Address	199 MEMORY LN
City	MANCHESTER
State	KY
Zip	40962-7226
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	0.995 ACRES & HOUSE
Jurisdiction	CLAY KY
Township / Civil Division	MANCHESTER
Census Block Group	1
Census Block	1027
Census Tract	950302

Owner

Source: Clay County records, as of December 19, 2025

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	199 MEMORY LN, MANCHESTER, KY 40962-7226
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2007	Deed of Trust, Mortgage · Second Mortgage (Down Payment) LILLIAN MURRAY
Dec 27, 2010	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK
Oct 20, 2025	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 1, 2004 · Amount on Record
Deed Sale	Jan 1, 2004 · Amount on Record
Deed Document Number	0000271622
Record Updated	Sep 20, 2026

June 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY KY
Property Address	199 MEMORY LN, MANCHESTER, KY 40962-7226
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MTG184/086
Date	Jun 7, 2007
Book Page	MTG 184/086
Instrument	098015

Lender

Name	LILLIAN MURRAY
Type	Private Party
Address	1952 UPTON RD, MAGNOLIA, KY 42757

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	86 Months
Due	Aug 15, 2014

December 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY KY
Property Address	199 MEMORY LN, MANCHESTER, KY 40962-7226
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MTG198/499
Date	Dec 27, 2010
Book Page	MTG 198/499
Instrument	110618

Lender

Name	FIRST NATIONAL BANK
Type	Bank
Address	MANCHESTER, KY 40962

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Dec 14, 2030

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY KY
Recording Date	Oct 20, 2025
Property Address	199 MEMORY LN, MANCHESTER, KY 40962-7226
Document Number	000353/394
Book / Page	353 / 394
Instrument Date	Oct 13, 2025
Instrument	1686465
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	199 MEMORY LN, MANCHESTER, KY 40962-7226

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	199 MEMORY LN, MANCHESTER, KY 40962-7226

Tax Assessment & Valuation

Source: Clay County assessment roll, as of April 1, 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	$368.00 (-8.23%) Homeowner's exemption	$80,000 (-)	$80,000 (-)
2023	$401.00 Homeowner's exemption	$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 100 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 61% of the US · above 79% of Kentucky
Wildfire Likelihood	0.2% 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	NORTH MANCHESTER WATER ASSOC private · serves 5,332 people · EPA ID KY0260266
Water Source	Purchased surface water from MANCHESTER WATER WORKS
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2025 Haloacetic acids resolved · Apr 2018
Treatment and Procedure	None last 10 years
Monitoring and Reporting	8 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 103 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
Peoples Rural Telephone Cooperative Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

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