270 Smith Rd, Manchester, KY 40962 Property Records

Clay County property record for 270 Smith Rd, Manchester, KY 40962

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,560 sqft · built 1994
Lot Size	7.26 acres (316,246 sqft)
Owner	Individual Name on File
Last Sale	$221,500 (May 2024)
Tax Bill	$2,058 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Sep 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`099-20-00-011.02`

Property Details

APN / Parcel Number

Primary APN	`099-20-00-011.02`
Alternative APNs	`118249` `18007`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,560 sqft Living Area

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	316,246 sqft (7.26 acres)
Garage Type	Attached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	208 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Account Number	18007
Street Address	270 SMITH RD
City	MANCHESTER
State	KY
Zip	40962-7561
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	7.260 ACRES & HOUSE
Jurisdiction	CLAY KY
Township / Civil Division	MANCHESTER
Census Block Group	3
Census Block	3024
Census Tract	950301

Owner

270 Smith Rd is owned and occupied by an individual who bought it in May 2024.

Source: Clay County records, as of April 28, 2026

Owner of Record	Individual Name on File
Mailing Address	270 SMITH RD, MANCHESTER, KY 40962-7561
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2026	Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Sep 21, 2017	Survivorship Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2024 · Amount on File
Deed Sale	May 21, 2024 · Amount on File
Prior Sale	May 6, 2022 · Amount on File
Deed Document Number	20241683606
Deed Book / Page	347 / 336
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY KY
Recording Date	Apr 20, 2026
Property Address	270 SMITH RD, MANCHESTER, KY 40962-7561
Document Number	0001702701
Book / Page	257 / 347
Instrument Date	Apr 7, 2026
Instrument	20261702701
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SUMMIT SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	270 SMITH RD, MANCHESTER, KY 40962-7561

Mortgage

Document Number	0001702701,
Date	Apr 20, 2026
Book Page	257/347
Instrument	20261702701

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.11%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2017: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	CLAY KY
Recording Date	Sep 21, 2017
Property Address	270 SMITH RD, MANCHESTER, KY 40962-7561
Document Number	DEED321/247
Book / Page	DEED 321 / 247
Instrument Date	Sep 21, 2017
Instrument	141064
Transaction Type	Transfer
Record Updated	Jul 13, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	270 SMITH RD, MANCHESTER, KY 40962-7561
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 270 Smith Rd was $2,058 with a homeowner's exemption.

Source: Clay County assessment roll, as of December 22, 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	$2,058.00 Homeowner's exemption	$221,500	$221,500
2023	$2,131.00 Homeowner's exemption	$225,000	$225,000

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

Flood

FEMA maps place 270 Smith Rd in Zone X, an area of minimal flood risk.

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 Policies	2 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

Wildfire risk around 270 Smith Rd is high, ranking above 72% of the US, with a 0.4% annual chance of wildfire.

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

Wildfire Risk	High above 72% of the US · above 84% of Kentucky
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

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 55 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

May also be available: Peoples Rural Telephone Cooperative, Verizon.

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