449 Frames Branch Rd, Clay City, KY 40312 Property Records

Powell County property record for 449 Frames Branch Rd, Clay City, KY 40312

Property Summary

Property Type	Single Family Home
Lot Size	2.23 acres (97,139 sqft)
Owner	Individual Name on File
Last Sale	$15,000 (Aug 2008)
Tax Bill	$657 (2025)
Deeds & Mortgages	Sep 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`016-00-00-017.09`

Property Details

APN / Parcel Number

Primary APN	`016-00-00-017.09`
Alternative APNs	`25461700` `25461720` `99449`

Exterior

Lot Area	97,139 sqft (2.23 acres)

Location & Zoning

Account Number	99449
Street Address	449 FRAMES BRANCH RD
City	CLAY CITY
State	KY
Zip	40312-9664
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2.23 ACRES & HOUSE
Jurisdiction	POWELL KY
Township / Civil Division	CLAY CITY
Census Block Group	2
Census Block	2038
Census Tract	970202

Owner

Source: Powell County records · APN 016-00-00-017.09

Assessment roll updated April 1, 2025 · Last verified March 2026

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
Co-owner	Verified Secondary Owner
Mailing Address	449 FRAMES BRANCH RD, CLAY CITY, KY 40312-9664
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 25, 2008 · Amount on Record
Deed Sale	Aug 25, 2008 · Amount on Record
Deed Document Number	128360
Deed Book / Page	DEED 169 / 656
Record Updated	Jun 08, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POWELL KY
Property Address	449 FRAMES BRANCH RD, CLAY CITY, KY 40312-9664
Transaction Type	Mortgage
Record Updated	Mar 07, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MTG276/338
Date	Sep 19, 2019
Book Page	MTG 276/338
Instrument	170271

Lender

Name	WHITAKER BANK INC
Type	Bank
Address	STANTON, KY 40380

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Sep 11, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Powell County records · Assessment roll updated April 1, 2025 · Last verified March 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Powell County
Unified School District	Powell 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	$657.00 (-59.01%)	$175,440 (-)	$175,440 (-)
2023	$1,603.00	$175,440	$175,440

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Powell County (21197C), as of February 17, 2010 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211979702022, 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 X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force

Wildfire

Wildfire Risk	Moderate above 40% of the US · above 70% of Kentucky
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation at the parcel

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)
Starlink Satellite	280 / 30
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AT&T.

Based on FCC filings for 37 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system KY0990357, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	POWELL VALLEY WATER DISTRICT serves 7,128 people
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2023
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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 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.