251 E Railroad St, Clay, KY 42404 Property Records

Webster County property record for 251 E Railroad St, Clay, KY 42404

Property Summary

Property Type	Commercial
Owner	Company Name on File
Last Sale	$110,000 (Apr 2021)
Tax Bill	$1,374 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Mar 2022 Sale + 2 more
Flood Zone	Zone A (high risk)
APN	`0C2-011-005`

Property Details

APN / Parcel Number

Primary APN	`0C2-011-005`
Alternative APNs	`9748` `5162` `5133`

Location & Zoning

Account Number	5133
Street Address	251 E RAILROAD ST
City	CLAY
State	KY
Zip	42404-2123
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	COMM BLDG & LOT
Jurisdiction	WEBSTER KY
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2108
Census Tract	960300

Owner

251 E Railroad St, a commercial property, is owned by a company that bought it in April 2021.

Source: Webster County records, as of November 17, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on File
Mailing Address	840 W ELM ST, CLAY, KY 42404-2320
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2021	Deed of Trust, Mortgage · Commercial Mortgage CRYSTAL FINANCIAL LLC
Mar 3, 2022	Correction Deed
Mar 3, 2022	Correction Deed
Apr 12, 2021	Deed, Transfer · Commercial Mortgage INDEPENDENCE BANK OF KENTUCKY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 12, 2021 · Amount on File
Deed Sale	Apr 12, 2021 · Amount on File
Deed Document Number	421144
Deed Book / Page	DEED 311 / 653
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBSTER KY
Property Address	251 E RAILROAD ST, CLAY, KY 42404-2123
Transaction Type	Mortgage
Record Updated	Jan 16, 2024
Title Company	FIRST NATIONAL FINANCIAL TITLE SERVICES I, FIRST NATL FINCL TTL SVC LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MTG362/236
Date	Jan 22, 2021
Book Page	MTG 362/236
Instrument	418817

Lender

Name	CRYSTAL FINANCIAL LLC
Type	Non-Lending Institution
Address	BOSTON, MA 02110

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

March 2022: Correction Deed

Document Type	Correction Deed
Jurisdiction	WEBSTER KY
Recording Date	Mar 3, 2022
Property Address	251 E RAILROAD ST, CLAY, KY 42404-2123
Document Number	DEED314/617
Book / Page	DEED 314 / 617
Map Reference	MB 2 PG 182
Instrument Date	Sep 16, 2021
Instrument	442530
Record Updated	Jan 16, 2024

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6606 W BROAD ST, RICHMOND, VA 23230-1702

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	840 W ELM ST, CLAY, KY 42404-2320
Investor	Possibly a Property Investor

March 2022: Correction Deed

Document Type	Correction Deed
Jurisdiction	WEBSTER KY
Recording Date	Mar 3, 2022
Property Address	251 E RAILROAD ST, CLAY, KY 42404-2123
Document Number	DEED314/612
Book / Page	DEED 314 / 612
Map Reference	MB 2 PG 185
Instrument Date	Sep 16, 2021
Instrument	442529
Record Updated	Jan 16, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	840 W ELM ST, CLAY, KY 42404-2320

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6606 W BROAD ST, RICHMOND, VA 23230-1702

April 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	WEBSTER KY
Recording Date	Apr 12, 2021
Property Address	251 E RAILROAD ST, CLAY, KY 42404-2123
Document Number	DEED311/653
Book / Page	DEED 311 / 653
Instrument Date	Mar 31, 2021
Instrument	421144
Transaction Type	Transfer
Record Updated	Jan 16, 2024

Transaction

Amount	Amount on Record
Tax	$110.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6606 W BROAD ST, RICHMOND, VA 23230-1702

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	840 W ELM ST, CLAY, KY 42404-2320
Investor	Possibly a Property Investor

Mortgage

Document Number	0000421149
Date	Apr 12, 2021
Instrument	421149

Lender

Name	INDEPENDENCE BANK OF KENTUCKY
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	179 Months
Due	Mar 30, 2036

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 251 E Railroad St was $1,374.

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	$1,374.00	$122,500	$122,500
2023	$1,383.00	$122,500	$122,500

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

Flood

FEMA maps place 251 E Railroad St in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective October 7, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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

Wildfire risk around 251 E Railroad St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 95% of Kentucky
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 13 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on E Railroad St

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