239 E Elm St, Clay, KY 42404 Property Records

Webster County property record for 239 E Elm St, Clay, KY 42404 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,225 sqft
Lot Size	0.48 acres (20,909 sqft)
Owner	Individual Name on File
Last Sale	$49,900 (Aug 2015)
Tax Bill	$664 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Apr 2024 Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`0C3-008-009`

Property Details

APN / Parcel Number

Primary APN	`0C3-008-009`
Alternative APNs	`12942` `8365` `8351`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,225 sqft Finished Area
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Stucco
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	20,909 sqft (0.48 acres)
Garage Type	Attached
Garage Area	300 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	24 sqft
Porch	Slab
Porch Area	64 sqft
Patio Area	208 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	8351
Street Address	239 E ELM ST
City	CLAY
State	KY
Zip	42404-2019
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	2110
Census Tract	960300

Owner

Source: Webster County records · APN 0C3-008-009

Assessment roll updated November 18, 2025 · Last verified August 2026

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

Owner of Record	Individual Name on File
Mailing Address	239 E ELM ST, CLAY, KY 42404-2019
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 04, 2026	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Apr 22, 2024	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Nov 01, 2023	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 24, 2015 · Amount on Record
Deed Sale	Aug 24, 2015 · Amount on Record
Prior Sale	Feb 04, 2015 · Amount on Record
Deed Document Number	2015250867
Deed Book / Page	293 / 448
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBSTER KY
Recording Date	Aug 04, 2026
Property Address	239 E ELM ST, CLAY, KY 42404-2019
Document Number	0000473156
Book / Page	412 / 320
Instrument Date	Jul 28, 2026
Instrument	2026473156
Transaction Type	Mortgage
Record Updated	Aug 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	239 E ELM ST, CLAY, KY 42404-2019

Mortgage

Document Number	0000473156,
Date	Aug 04, 2026
Book Page	412/320
Instrument	2026473156

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.88%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBSTER KY
Property Address	239 E ELM ST, CLAY, KY 42404-2019
Transaction Type	Mortgage
Record Updated	May 08, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00000393/1
Date	Apr 22, 2024
Book Page	393/1
Instrument	460384

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	1050 WOODWARD AVE, DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	355 Months
Due	Nov 01, 2053

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBSTER KY
Property Address	239 E ELM ST, CLAY, KY 42404-2019
Transaction Type	Mortgage
Record Updated	Apr 30, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000389/390
Date	Nov 01, 2023
Book Page	389/390
Instrument	458451

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2053

Tax Assessment & Valuation

Source: Webster County records · Assessment roll updated November 18, 2025 · Last verified August 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$664.00 (+10.3%)	$59,200 (+10.86%)	$59,200 (+10.86%)
2023	$602.00	$53,400	$53,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Webster County (21233C), updated October 7, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 212339603002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone A
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 12 individual NFIP policies nearby
Nearby Flood Policies	12 in force
Nearby Flood Claims	1 (2016)
Most Recent Claim	Apr 2016, other causes

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 181 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

4G LTE only, no 5G reported

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