2188 Laurel Branch Rd, Oneida, KY 40972 Property Records

Clay County property record for 2188 Laurel Branch Rd, Oneida, KY 40972

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 960 sqft · built 1992
Lot Size	4.71 acres (205,560 sqft)
Owner	Individual Name on Record
Tax Bill	$238 (2025)
Deeds & Mortgages	Jul 2018 Mortgage Aug 2017 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`147-00-00-022.00`

Property Details

APN / Parcel Number

Primary APN	`147-00-00-022.00`
Alternative APNs	`115971` `1564`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	960 sqft Living Area

Exterior

Year Built	Built 1992
Exterior Material	Other
Foundation Type	Pier/Post & Beam
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	205,560 sqft (4.71 acres)
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Cooling System	None
Heating System	Space Heater

Location & Zoning

Account Number	1564
Street Address	2188 LAUREL BRANCH RD
City	ONEIDA
State	KY
Zip	40972-6368
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2 HOUSES
Jurisdiction	CLAY KY
Township / Civil Division	BIG CREEK
Census Block Group	1
Census Block	1048
Census Tract	950400

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	Individual Name on Record
Mailing Address	2188 LAUREL BRANCH RD, ONEIDA, KY 40972-6368
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK OF MANCHESTER
Aug 22, 2017	Deed of Trust, Mortgage · Construction Mortgage FIRST NATIONAL BANK OF MANCHESTER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 20, 2016
Deed Sale	May 20, 2016
Deed Document Number	0000316370
Record Updated	Jun 8, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY KY
Property Address	2214 LAUREL BRANCH RD, ONEIDA, KY 40972-6368
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MTG226/314
Date	Jul 30, 2018
Book Page	MTG 226/314
Instrument	153181

Lender

Name	FIRST NATIONAL BANK OF MANCHESTER
Type	Bank
Address	MANCHESTER, KY 40962

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 19, 2038

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY KY
Property Address	2214 LAUREL BRANCH RD, ONEIDA, KY 40972-6368
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MTG223/368
Date	Aug 22, 2017
Book Page	MTG 223/368
Instrument	140774

Lender

Name	FIRST NATIONAL BANK OF MANCHESTER
Type	Bank
Address	MANCHESTER, KY 40962

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 14, 2037

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	$238.00 (+303.39%)	$20,000 (+3%)	$20,000 (+3%)
2023	$59.00	$5,000	$5,000

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1989)
Most Recent Claim	Oct 1989 · Severe Storms, Mudslides & Flooding

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	High above 79% of the US · above 92% of Kentucky
Wildfire Likelihood	0.6% 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 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

No cell data coverage reported

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