Clay County property record for 2424 Hwy 638 Loop, Manchester, KY 40962
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,192 sqft · built 1970 |
| Lot Size | 1.42 acres (61,855 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,194 (2025) |
| Deeds & Mortgages | Aug 2009 Mortgage Jun 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 006-00-00-015.02 |
| Primary APN | 006-00-00-015.02 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,192 sqft Living Area |
| Basement Area | 2,192 sqft |
| Finished Basement | 50 sqft |
| Family Room | Family Room |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1970 |
|---|---|
| Exterior Material | Brick Veneer |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 61,855 sqft (1.42 acres) |
| Garage Type | Attached |
| Garage Area | 546 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 27 sqft |
| Cooling System | None |
|---|---|
| Heating Fuel | Electric |
| Account Number | 14193 |
|---|---|
| Street Address | 2424 HIGHWAY 638 LOOP |
| City | MANCHESTER |
| State | KY |
| Zip | 40962-4928 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1.420 ACRES & HOUSE |
| Jurisdiction | CLAY KY |
| Township / Civil Division | BURNING SPRINGS |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 950202 |
2424 Hwy 638 Loop is owned and occupied by two individuals who acquired it in April 2002.
Source: Clay County records, as of December 19, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2424 HIGHWAY 638 LOOP, MANCHESTER, KY 40962-4928 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Aug 6, 2009 | Deed of Trust, Mortgage · USDA Mortgage USDA |
| Jun 11, 2018 | Deed of Trust, Mortgage · Commercial Mortgage FARM CREDIT MID AMERICA PCA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 1, 2002 |
| Deed Sale | Apr 1, 2002 |
| Deed Document Number | 0000026496 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY KY |
| Property Address | 2424 HIGHWAY 638 LOOP, MANCHESTER, KY 40962-4928 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | MTG194/173 |
|---|---|
| Date | Aug 6, 2009 |
| Book Page | MTG 194/173 |
| Instrument | 106121 |
| Name | USDA |
|---|---|
| Type | Government Agency |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 119 Months |
| Due | Jul 17, 2019 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY KY |
| Property Address | 2424 HIGHWAY 638 LOOP, MANCHESTER, KY 40962-4928 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2021 |
| Name | Verified Name |
|---|
| Document Number | MTG225/679 |
|---|---|
| Date | Jun 11, 2018 |
| Book Page | MTG 225/679 |
| Instrument | 142779 |
| Name | FARM CREDIT MID AMERICA PCA |
|---|---|
| Type | Funding / Finance Company |
| Address | LOUISVILLE, KY 40232 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 125 Months |
| Due | Nov 1, 2028 |
The 2025 property tax bill for 2424 Hwy 638 Loop was $1,194.
Source: Clay County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Clay County |
| Unified School District | Clay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,194.00 | $100,000 | $100,000 |
| 2023 | $1,193.00 | $100,000 | $100,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2424 Hwy 638 Loop 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 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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 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 risk around 2424 Hwy 638 Loop is high, ranking above 79% of the US, with a 0.7% annual chance of 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 | 0.7% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | EAST LAUREL WATER DISTRICT serves 16,062 people · EPA ID KY0630797 |
|---|---|
| Water Source | Purchased surface water from WOOD CREEK WATER DISTRICT |
| Last State Inspection | Jul 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Windstream DSL | 100 / 20 |
No cell data coverage reported
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