Webster County property record for 41 Morgan St, Clay, KY 42404
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,047 sqft · built 2001 |
| Owner | Individual Name on File |
| Last Sale | $45,000 (Jan 2020) |
| Tax Bill | $578 (2025) |
| Deeds & Mortgages | Jan 2020 Sale & Line of Credit |
| Flood Zone | Zone A (high risk) |
| APN | 00B-010-002 |
| Primary APN | 00B-010-002 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,047 sqft Finished Area |
| Family Room | Family Room |
| Year Built | Built 2001 |
|---|---|
| Exterior Material | Stucco |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Porch | Porch |
| Porch Area | 60 sqft |
| Outdoor Kitchen / BBQ | Outdoor Kitchen / BBQ |
| Cooling System | Central |
|---|---|
| Heating Fuel | Electric |
| Account Number | 8831 |
|---|---|
| Street Address | 41 MORGAN ST |
| City | CLAY |
| State | KY |
| Zip | 42404-9391 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & LOT |
| Jurisdiction | WEBSTER KY |
| Township / Civil Division | CLAY |
| Census Block Group | 1 |
| Census Block | 1068 |
| Census Tract | 960300 |
41 Morgan St is owned and occupied by an individual who bought it in January 2020.
Source: Webster County records, as of November 17, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 41 MORGAN ST, CLAY, KY 42404-9391 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 27, 2020 · Amount on File |
| Deed Sale | Jan 27, 2020 · Amount on File |
| Prior Sale | Apr 10, 2013 · Amount on File |
| Deed Document Number | 405780 |
| Deed Book / Page | DEED 308 / 207 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WEBSTER KY |
| Recording Date | Jan 27, 2020 |
| Property Address | 41 MORGAN ST, CLAY, KY 42404-9391 |
| Document Number | DEED308/207 |
| Book / Page | DEED 308 / 207 |
| Instrument Date | Jan 10, 2020 |
| Instrument | 405780 |
| Transaction Type | Transfer |
| Record Updated | Apr 20, 2023 |
| Title Company | FOREMAN WATSON LAND TITLE LLC, FOREMAN WATSON LAND TTL LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $45.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 147 BLACKFORD SULLIVAN RD, CLAY, KY 42404-9318 |
| Name | Verified Name |
|---|---|
| Address | 41 MORGAN ST, CLAY, KY 42404-9391 |
| Document Number | 0000405781 |
|---|---|
| Date | Jan 27, 2020 |
| Instrument | 405781 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2050 |
The 2025 property tax bill for 41 Morgan St was $578.
Source: Webster County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Webster County |
| Unified School District | Webster County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $578.00 | $51,600 | $51,600 |
| 2023 | $508.00 | $45,000 | $45,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 41 Morgan 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 10 policies |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 2 (2023–2025) |
| Most Recent Claim | Feb 2025 · Severe Storms, Straight-line Winds, Flooding, And Landslides |
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 risk around 41 Morgan St is low, with a 0.02% 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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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 | WEBSTER CO WATER DISTRICT serves 5,940 people · EPA ID KY1170995 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2023 |
| Lead | Under 1 ppb (2024–2026) 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 13 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Conexon Connect Fiber | 2,000 / 2,000 |
| Starlink Satellite | 280 / 30 |
| Watch TV Fixed Wireless | 10 / 1 |
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