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482 E Elm St, Clay, KY 42404 Property Records

Webster County property record for 482 E Elm St, Clay, KY 42404 · Last verified November 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,787 sqft · built 2006
Lot Size0.508 acres (22,142 sqft)
OwnerIndividual Name on File
Last Sale$144,000 (Nov 2018)
Tax Bill$1,683 (2025)
Deeds & MortgagesMar 2021 Mortgage
Nov 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN0C3-009-001-001-001

Property Details

APN / Parcel Number

Primary APN0C3-009-001-001-001
Alternative APNs
  • 10543
  • 3315
  • 3308

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms6 Rooms
Stories1 Story
Building Area1,787 sqft Finished Area
Family RoomFamily Room

Exterior

Year BuiltBuilt 2006
Exterior MaterialStucco
Foundation TypeBlock
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area22,142 sqft (0.508 acres)
Garage TypeAttached
Garage Area484 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchPorch
Porch Area120 sqft
Patio Area120 sqft
Outdoor Kitchen / BBQOutdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling SystemCentral
Heating FuelGas

Location & Zoning

Account Number3308
Street Address482 E ELM ST
CityCLAY
StateKY
Zip42404-2022
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionRES & 0.5083 ACRES
JurisdictionWEBSTER KY
Township / Civil DivisionCLAY
Census Block Group2
Census Block2122
Census Tract960300

Owner

Source: Webster County records · APN 0C3-009-001-001-001

Assessment roll updated April 1, 2025 · Last verified November 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address482 E ELM ST, CLAY, KY 42404-2022
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 04, 2021Deed of Trust, Mortgage · FHA Mortgage
DEPARTMENT OF HOUSING & URBAN DEV
Nov 05, 2018Warranty Deed, Transfer · FHA Mortgage
MORTGAGE LENDERS OF AMERICA LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 05, 2018 · Amount on Record
Deed SaleNov 05, 2018 · Amount on Record
Prior SaleAug 13, 2014 · Amount on Record
Deed Document Number401406
Deed Book / PageDEED 304 / 150
Record UpdatedJun 08, 2026

March 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWEBSTER KY
Property Address482 E ELM ST, CLAY, KY 42404-2022
Transaction TypeMortgage
Record UpdatedApr 20, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address482 E ELM ST, CLAY, KY 42404-2022

Mortgage

Document NumberMTG363/146
DateMar 04, 2021
Book PageMTG 363/146
Instrument419219
Lender
NameDEPARTMENT OF HOUSING & URBAN DEV
TypeGovernment Agency
AddressWASHINGTON, DC 20410
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term332 Months
DueNov 01, 2048

November 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWEBSTER KY
Recording DateNov 05, 2018
Property Address482 E ELM ST, CLAY, KY 42404-2022
Document NumberDEED304/150
Book / PageDEED 304 / 150
Instrument DateOct 31, 2018
Instrument401406
Transaction TypeTransfer
Record UpdatedApr 20, 2023

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$144.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address482 E ELM ST, CLAY, KY 42404-2022

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRight of Survivorship
Address241 SPRING GROVE BLVD, MORGANFIELD, KY 42437-5974

Mortgage

Document Number0000401407
DateNov 05, 2018
Instrument401407
Lender
NameMORTGAGE LENDERS OF AMERICA LLC
TypeLending Institution
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueNov 01, 2048

Tax Assessment & Valuation

Source: Webster County records · Assessment roll updated April 1, 2025 · Last verified November 2025

Property Jurisdictions

TypeName
StateKentucky
MunicipalityClay City
CountyWebster County
Unified School DistrictWebster 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.

YearTax BillAssessed ValueAssessed Market Value
2025$1,683.00 (-0.59%)$150,000 (-)$150,000 (-)
2023$1,693.00$150,000$150,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Webster County (21233C), updated October 7, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 212339603002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone A, within 100 ft
Flood Insurance CostPremium on Record
median of 12 individual NFIP policies nearby
Nearby Flood Policies12 in force
Nearby Flood Claims1 (2016)
Most Recent ClaimApr 2016, other causes

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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, availability as of December 31, 2025 · Published October 2026 · based on 181 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 1,000
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

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