Clay County property record for 305 River St, Manchester, KY 40962
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,254 sqft · built 1962 |
| Lot Size | 0.662 acres (28,837 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $835 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Jul 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 082-44-00-027.00 |
| Primary APN | 082-44-00-027.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,254 sqft Living Area |
| Basement Area | 1,254 sqft |
| Finished Basement | 100 sqft |
| Family Room | Family Room |
| Year Built | Built 1962 |
|---|---|
| Exterior Material | Other |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 28,837 sqft (0.662 acres) |
| Porch | Porch |
| Porch Area | 88 sqft |
| Cooling System | None |
|---|---|
| Heating System | Floor/Wall Furnace |
| Account Number | 4619 |
|---|---|
| Street Address | 305 RIVER ST |
| City | MANCHESTER |
| State | KY |
| Zip | 40962-1230 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 0.662 ACRES & HOUSE |
| Jurisdiction | CLAY KY |
| Township / Civil Division | MANCHESTER |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 950301 |
305 River St, a single family home, is owned by two individuals.
Source: Clay County records, as of December 19, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 112 CENTER ST, MANCHESTER, KY 40962-1223 |
| 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.
| Date | Document |
|---|---|
| Dec 9, 2021 | Deed of Trust, Mortgage FORCHT BANK NA |
| Jul 25, 2022 | Deed of Trust, Mortgage FORCHT BANK NA |
| Feb 21, 2023 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Deed Document Number | 0000342163 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY KY |
| Property Address | 305 RIVER ST, MANCHESTER, KY 40962-1230 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|---|
| Address | 305 RIVER ST, MANCHESTER, KY 40962-1230 |
| Document Number | 000240/439 |
|---|---|
| Date | Dec 9, 2021 |
| Book Page | 240/439 |
| Instrument | 314897 |
| Name | FORCHT BANK NA |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40555 |
| Amount | Amount on Record |
|---|---|
| Term | 6 Months |
| Due | Jun 1, 2022 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY KY |
| Property Address | 305 RIVER ST, MANCHESTER, KY 40962-1230 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|---|
| Address | 305 RIVER ST, MANCHESTER, KY 40962-1230 |
| Document Number | 000243/240 |
|---|---|
| Date | Jul 25, 2022 |
| Book Page | 243/240 |
| Instrument | 316665 |
| Name | FORCHT BANK NA |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40555 |
| Amount | Amount on Record |
|---|---|
| Term | 6 Months |
| Due | Jan 20, 2023 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CLAY KY |
| Recording Date | Feb 21, 2023 |
| Property Address | 305 RIVER ST, MANCHESTER, KY 40962-1230 |
| Document Number | 000342/163 |
| Book / Page | 342 / 163 |
| Map Reference | MB 103 PG 137 |
| Instrument Date | Feb 21, 2023 |
| Instrument | 1671170 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $70.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 973, WILLIAMSBURG, KY 40769-0973 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 112 CENTER ST, MANCHESTER, KY 40962-1223 |
The 2025 property tax bill for 305 River St was $835.
Source: Clay County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Clay County |
| Municipality | Manchester City |
| Unified School District | Clay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $835.00 | $70,000 | $70,000 |
| 2023 | $55.00 Homeowner's exemption | $51,000 | $51,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 305 River St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 28, 2007
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 305 River St is moderate, ranking above 62% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 62% of the US · above 79% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 137 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 |
| Peoples Rural Telephone Cooperative Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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