282 E Railroad St, Clay, KY 42404 Property Records

Webster County property record for 282 E Railroad St, Clay, KY 42404

Property Summary

Property Type	Commercial Vacant Land
Lot Size	2.08 acres (90,648 sqft)
Owner	2 Company Names on File
Last Sale	$40,000 (Apr 1996)
Tax Bill	$393 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jun 2021 Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`0C3-008-002-001`

Property Details

APN / Parcel Number

Primary APN	`0C3-008-002-001`
Alternative APNs	`9749` `5161` `5132`

Exterior

Lot Area	90,648 sqft (2.08 acres)

Location & Zoning

Account Number	5132
Street Address	282 E RAILROAD ST
City	CLAY
State	KY
Zip	42404-2122
Property Category	Commercial
Property Type	Vacant Land > Commercial
Legal Description	BLDG/ST YARD & 2.081 ACRES
Jurisdiction	WEBSTER KY
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2110
Census Tract	960300

Owner

282 E Railroad St, commercial vacant land, is owned by a company that bought it in April 1996.

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	2 Company Names on File
Co-owner	Co-owner on File
Mailing Address	PO BOX 26234, RICHMOND, VA 23260-6234
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2021	Deed of Trust, Mortgage · Commercial Mortgage DORSEY & WHITNEY LLP
Jun 29, 2021	Deed of Trust, Mortgage · Commercial Mortgage ACF FINCO I LP
Mar 3, 2022	Correction Deed

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 1996 · Amount on File
Deed Sale	Apr 1, 1996 · Amount on File
Deed Document Number	0000224464
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBSTER KY
Property Address	282 E RAILROAD ST, CLAY, KY 42404-2122
Transaction Type	Mortgage
Record Updated	Nov 25, 2021
Title Company	FIRST NATIONAL FINANCIAL TITLE SERVICES I, FIRST NATL FINCL TTL SVCS IN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MTG369/477
Date	Sep 22, 2021
Book Page	MTG 369/477
Instrument	437122

Lender

Name	DORSEY & WHITNEY LLP
Type	Non-Lending Institution
Address	MINNEAPOLIS, MN 55402

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBSTER KY
Property Address	282 E RAILROAD ST, CLAY, KY 42404-2122
Transaction Type	Mortgage
Record Updated	Sep 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MTG367/524
Date	Jun 29, 2021
Book Page	MTG 367/524
Instrument	435960

Lender

Name	ACF FINCO I LP
Type	Non-Lending Institution
Address	ATLANTA, GA 30326

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	282 E RAILROAD ST, CLAY, KY 42404-2122
Document Number	DEED314/617
Book / Page	DEED 314 / 617
Instrument Date	Sep 16, 2021
Instrument	442530
Record Updated	Jun 23, 2022

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, 6606, RICHMOND, VA 23230-1717

Transferred To (Grantee/Buyer)

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

Tax Assessment & Valuation

The 2025 property tax bill for 282 E Railroad St was $393.

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	$393.00	$35,100	$35,100
2023	$112.00	$10,000	$10,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 282 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 282 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

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