385 Vick St, Clay, KY 42404 Property Records

Webster County property record for 385 Vick St, Clay, KY 42404

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,556 sqft
Lot Size	0.719 acres (31,363 sqft)
Owner	Individual Name on File
Last Sale	$79,000 (Jun 2013)
Tax Bill	$1,235 (2025)
Deeds & Mortgages	Aug 2017 Mortgage Apr 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0C3-006-005`

Property Details

APN / Parcel Number

Primary APN	`0C3-006-005`
Alternative APNs	`9874` `5287` `5249`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,556 sqft Finished Area
Basement Area	896 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Brick Veneer
Foundation Type	Stone
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	31,363 sqft (0.719 acres)
Garage Type	Attached
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces
Patio Area	276 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	5249
Street Address	385 VICK ST
City	CLAY
State	KY
Zip	42404-2043
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & 0.72 ACRES
Jurisdiction	WEBSTER KY
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2119
Census Tract	960300

Owner

385 Vick St is owned and occupied by an individual who bought it in June 2013.

Source: Webster County records, as of November 17, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	385 VICK ST, CLAY, KY 42404-2043
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
Aug 25, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIRST UNITED BANK & TRUST CO
Apr 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST UNITED BANK AND TRUST COMPANY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 24, 2013 · Amount on File
Deed Sale	Jun 24, 2013 · Amount on File
Prior Sale	Apr 21, 2010 · Amount on File
Deed Document Number	218883
Deed Book / Page	DEED 285 / 737
Record Updated	Jun 8, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBSTER KY
Property Address	385 VICK ST, CLAY, KY 42404-2043
Transaction Type	Mortgage
Record Updated	Apr 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MTG337/410
Date	Aug 25, 2017
Book Page	MTG 337/410
Instrument	286033

Lender

Name	FIRST UNITED BANK & TRUST CO
Type	Bank
Address	MADISONVILLE, KY 42431

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	9 Months
Due	May 4, 2018

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WEBSTER KY
Property Address	385 VICK ST, CLAY, KY 42404-2043
Transaction Type	Mortgage
Record Updated	Apr 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MTG347/490
Date	Apr 29, 2019
Book Page	MTG 347/490
Instrument	402641

Lender

Name	FIRST UNITED BANK AND TRUST COMPANY INC
Type	Non-Lending Institution
Address	MADISONVILLE, KY 42431

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 385 Vick St was $1,235.

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	$1,235.00	$110,100	$110,100
2023	$1,116.00	$98,900	$98,900

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

Flood

FEMA maps place 385 Vick St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2016.

Source: FEMA National Flood Hazard Layer, effective October 7, 2023 · 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
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 385 Vick St is low, with 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 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% 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	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 181 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Vick St

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