Powell County property record for 507 Frames Branch Rd, Clay City, KY 40312
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,120 sqft · built 1995 |
| Lot Size | 1.47 acres (64,033 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $222,000 (Sep 2026) |
| Tax Bill | $1,737 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Sep 2026 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 016-00-00-017.06 |
| Primary APN | 016-00-00-017.06 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,120 sqft Living Area |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Logs |
| Roof Material | Metal |
| Lot Area | 64,033 sqft (1.47 acres) |
| Garage Type | Detached |
| Garage Area | 792 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
| Porch Area | 160 sqft |
| Cooling System | Other |
|---|---|
| Heating Fuel | Gas |
| Account Number | 110032 |
|---|---|
| Street Address | 507 FRAMES BRANCH RD |
| City | CLAY CITY |
| State | KY |
| Zip | 40312-9664 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & LOT & GARAGE |
| Jurisdiction | POWELL KY |
| Township / Civil Division | CLAY CITY |
| Census Block Group | 2 |
| Census Block | 2038 |
| Census Tract | 970202 |
Source: Powell County records, as of September 22, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 507 FRAMES BRANCH RD, CLAY CITY, KY 40312-9664 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Sep 4, 2026 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE |
| Sep 4, 2026 | Deed, Transfer · Conventional Mortgage GUARANTEED RATE |
| Jan 6, 2006 | Deed of Trust, Mortgage · ARM WILMINGTON FINANCE INC |
| Nov 1, 2022 | Warranty Deed, Transfer · VA Mortgage FIRST OPTION MORTGAGE LLC |
| Jul 9, 2019 | Warranty Deed, Transfer · USDA Mortgage USDA |
| Aug 10, 2017 | Special Warranty Deed, Transfer JETT TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 4, 2026 · Amount on Record |
| Deed Sale | Sep 4, 2026 · Amount on Record |
| Prior Sale | Nov 1, 2022 · Amount on Record |
| Deed Document Number | 2026302753 |
| Deed Book / Page | 225 / 219 |
| Prior Transfer Date | Aug 4, 2016 |
| Prior Transfer Doc | DEED190/332 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POWELL KY |
| Recording Date | Sep 4, 2026 |
| Property Address | 507 FRAMES BRANCH RD, CLAY CITY, KY 40312-9664 |
| Document Number | 0000302756 |
| Book / Page | 352 / 208 |
| Instrument Date | Aug 27, 2026 |
| Instrument | 2026302756 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1168 BAY MEADOWS DR, LEXINGTON, KY 40514-1057 |
| Document Number | 0000302756, |
|---|---|
| Date | Sep 4, 2026 |
| Book Page | 352/208 |
| Instrument | 2026302756 |
| Name | GUARANTEED RATE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | POWELL KY |
| Recording Date | Sep 4, 2026 |
| Property Address | 507 FRAMES BRANCH RD, CLAY CITY, KY 40312-9664 |
| Document Number | 0000302753 |
| Book / Page | 225 / 219 |
| Instrument Date | Aug 27, 2026 |
| Instrument | 2026302753 |
| Transaction Type | Transfer |
| Record Updated | Sep 22, 2026 |
| Title Company | BLUEGRASS LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $22,422.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Remainderman |
| Address | 507 FRAMES BRANCH RD, CLAY CITY, KY 40312-9664 |
| Document Number | 0000302756, |
|---|---|
| Date | Sep 4, 2026 |
| Instrument | 2026302756 |
| Name | GUARANTEED RATE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POWELL KY |
| Property Address | 507 FRAMES BRANCH RD, CLAY CITY, KY 40312-9664 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | MTG185/762 |
|---|---|
| Date | Jan 6, 2006 |
| Book Page | MTG 185/762 |
| Instrument | 118025 |
| Name | WILMINGTON FINANCE INC |
|---|---|
| Type | Funding / Finance Company |
| Address | PLYMOUTH MEETING, PA 19462 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.75% |
| Type Change Date | Feb 1, 2008 |
| Change Frequency | 6 Months |
| Min Rate At Change | 7.75% |
| Max Rate At Change | 10.7% |
| Index | 6-Month LIBOR |
| Max Rate | 13.7% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POWELL KY |
| Recording Date | Nov 1, 2022 |
| Property Address | 507 FRAMES BRANCH RD, CLAY CITY, KY 40312-9664 |
| Document Number | 000211/649 |
| Book / Page | 211 / 649 |
| Instrument Date | Oct 21, 2022 |
| Instrument | 284776 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $193.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 400 EARLEY LN, LONDON, KY 40744-7087 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 507 FRAMES BRANCH RD, CLAY CITY, KY 40312-9664 |
| Document Number | 0000284777 |
|---|---|
| Date | Nov 1, 2022 |
| Instrument | 284777 |
| Name | FIRST OPTION MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POWELL KY |
| Recording Date | Jul 9, 2019 |
| Property Address | 507 FRAMES BRANCH RD, CLAY CITY, KY 40312-9664 |
| Document Number | DEED199/432 |
| Book / Page | DEED 199 / 432 |
| Instrument Date | Jul 5, 2019 |
| Instrument | 169732 |
| Transaction Type | Transfer |
| Record Updated | Aug 8, 2024 |
| Title Company | KENTUCKY MTN LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $110.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 507 FRAMES BRANCH RD, CLAY CITY, KY 40312-9664 |
| Name | Verified Name |
|---|---|
| Address | 507 FRAMES BRANCH RD, CLAY CITY, KY 40312-9664 |
| Document Number | 0000169733 |
|---|---|
| Date | Jul 9, 2019 |
| Instrument | 169733 |
| Name | USDA |
|---|---|
| Type | Mortgage Company |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 456 Months |
| Due | Jul 5, 2057 |
| Document Number | MTG274/492 |
|---|---|
| Date | Jul 9, 2019 |
| Book Page | MTG 274/492 |
| Instrument | 169734 |
| Name | FAHE INC |
|---|---|
| Type | Non-Lending Institution |
| Address | BEREA, KY 40403 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | POWELL KY |
| Recording Date | Aug 10, 2017 |
| Property Address | 507 FRAMES BRANCH RD, CLAY CITY, KY 40312-9664 |
| Document Number | DEED193/247 |
| Book / Page | DEED 193 / 247 |
| Instrument Date | Aug 7, 2017 |
| Instrument | 164655 |
| Transaction Type | Transfer |
| Record Updated | Dec 20, 2021 |
| Title Company | JETT TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $75.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 2473, ABILENE, TX 79604-2473 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 507 FRAMES BRANCH RD, CLAY CITY, KY 40312-9664 |
Source: Powell County assessment roll, as of September 11, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Powell County |
| Unified School District | Powell County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,737.00 (-1.75%) | $193,500 (-) | $193,500 (-) |
| 2023 | $1,768.00 | $193,500 | $193,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective February 17, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| 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 |
| Nearby Flood Policies | 7 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · above 70% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | POWELL VALLEY WATER DISTRICT serves 7,128 people · EPA ID KY0990357 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jun 2023 |
| Lead | 2 ppb (2023–2025) 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 23 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 25 / 3 |
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