Webster County property record for 27 E Elm St, Clay, KY 42404
| Property Type | Single Family Home |
|---|---|
| Details | 1,963 sqft |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | Company Name on File |
| Tax Bill | $461 (2025) |
| Deeds & Mortgages | Sep 2021 Reverse Mortgage Sep 2021 Reverse Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0C2-007-019 |
| Primary APN | 0C2-007-019 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,963 sqft Finished Area |
| Family Room | Family Room |
| Exterior Material | Stucco |
|---|---|
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 12,197 sqft (0.28 acres) |
| Lot Dimensions | 160 ft deep x 76 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 147 sqft |
| Outdoor Kitchen / BBQ | Outdoor Kitchen / BBQ |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Account Number | 1241 |
|---|---|
| Street Address | 27 E ELM ST |
| City | CLAY |
| State | KY |
| Zip | 42404 |
| 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 | 2117 |
| Census Tract | 960300 |
Source: Webster County records · APN 0C2-007-019
Assessment roll updated November 18, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | PO BOX 245, CLAY, KY 42404-0245 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Estate |
| Date | Document |
|---|---|
| Sep 22, 2021 | Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP |
| Sep 22, 2021 | Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP |
| Dec 05, 2018 | Intrafamily Transfer, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | Dec 05, 2018 |
| Transfer Doc | DEED304/335 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WEBSTER KY |
| Property Address | 27 E ELM ST, CLAY, KY 42404-2015 |
| Transaction Type | Mortgage |
| Record Updated | Apr 20, 2023 |
| Title Company | NORTH AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 27 E ELM ST, CLAY, KY 42404-2015 |
| Document Number | MTG369/516 |
|---|---|
| Date | Sep 22, 2021 |
| Book Page | MTG 369/516 |
| Instrument | 437124 |
| Name | AMERICAN ADVISORS GROUP |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92612 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 950 Months |
| Due | Nov 01, 2100 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.17% |
| Index | 1-Year CMT |
| Max Rate | 8.17% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WEBSTER KY |
| Property Address | 27 E ELM ST, CLAY, KY 42404-2015 |
| Transaction Type | Mortgage |
| Record Updated | Apr 20, 2023 |
| Title Company | NORTH AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 27 E ELM ST, CLAY, KY 42404-2015 |
| Document Number | MTG369/500 |
|---|---|
| Date | Sep 22, 2021 |
| Book Page | MTG 369/500 |
| Instrument | 437123 |
| Name | AMERICAN ADVISORS GROUP |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92612 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 950 Months |
| Due | Nov 01, 2100 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.17% |
| Change Frequency | Annually |
| Index | 1-Year LIBOR |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | WEBSTER KY |
| Recording Date | Dec 05, 2018 |
| Property Address | 27 E ELM ST, CLAY, KY 42404-2015 |
| Document Number | DEED304/335 |
| Book / Page | DEED 304 / 335 |
| Instrument Date | Dec 05, 2018 |
| Instrument | 401612 |
| Transaction Type | Transfer |
| Record Updated | Apr 20, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 27 E ELM ST, CLAY, KY 42404-2015 |
Source: Webster County records · Assessment roll updated November 18, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Kentucky |
| Municipality | Clay City |
| County | Webster County |
| Unified School District | Webster County School District (PK - 12) |
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 | $461.00 (-6.87%) Homeowner's exemption | $90,200 (-) | $90,200 (-) |
| 2023 | $495.00 Homeowner's exemption | $90,200 | $90,200 |
Source: FEMA National Flood Hazard Layer as of October 7, 2023 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Flood Insurance Cost | Premium on Record median of 12 policies |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 1 (2016) |
| Most Recent Claim | Apr 2016 · other causes |
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.2% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
Based on FCC filings for 181 locations within half a mile of this property.
5G and 4G LTE (outdoors only)
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CLAY WATER WORKS serves 1,287 people |
|---|---|
| Water Source | Purchased surface water from WEBSTER CO WATER DISTRICT |
| Last State Inspection | Jun 2023 |
| Lead | 12 ppb (2024–2026) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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