281 E Elm St, Clay, KY 42404 Property Records

Webster County property record for 281 E Elm St, Clay, KY 42404

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,070 sqft
Owner	Individual Name on File
Last Sale	$8,500 (Apr 2013)
Tax Bill	$224 (2025)
Flood Zone	Zone A (high risk)
APN	`0C3-008-007`

Property Details

APN / Parcel Number

Primary APN	`0C3-008-007`
Alternative APNs	`13403` `8842` `8835`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,070 sqft Finished Area
Family Room	Family Room

Exterior

Exterior Material	Stucco
Foundation Type	Pier/Post & Beam
Roof Type	Gable
Roof Material	Composition Shingle
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	222 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating Fuel	Gas

Location & Zoning

Account Number	8835
Street Address	281 E ELM ST
City	CLAY
State	KY
Zip	42404-2019
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RES/GAR & LOT
Jurisdiction	WEBSTER KY
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2110
Census Tract	960300

Owner

Source: Webster County records · APN 0C3-008-007

Assessment roll updated April 1, 2025 · Last verified November 2025

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	281 E ELM ST, CLAY, KY 42404-2019
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 18, 2013 · Amount on Record
Deed Sale	Apr 18, 2013 · Amount on Record
Prior Sale	Jan 12, 2006
Deed Document Number	216549
Deed Book / Page	DEED 285 / 139
Record Updated	Jun 08, 2026

Tax Assessment & Valuation

Source: Webster County records · Assessment roll updated April 1, 2025 · Last verified November 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

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	$224.00 (+7.69%)	$20,000 (+8.11%)	$20,000 (+8.11%)
2023	$208.00	$18,500	$18,500

Flood & Wildfire

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

Flood

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 Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	1 (2016)
Most Recent Claim	Apr 2016 · other causes

Wildfire

Wildfire Risk	Low lower than 96% of the US · lower than 96% 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.

Internet Providers

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.

Cell Coverage

4G LTE only, no 5G reported

Drinking Water

Source: EPA Safe Drinking Water Information System, water system KY1170073, 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

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 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.