51 Smith Rd, Manchester, KY 40962 Property Records

Clay County property record for 51 Smith Rd, Manchester, KY 40962

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,533 sqft · built 1997
Lot Size	1.86 acres (81,022 sqft)
Owner	Individual Name on File
Last Sale	$1,000 (Mar 2026)
Tax Bill	$776 (2025)
Deeds & Mortgages	Sep 2020 Line of Credit Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`099-00-00-001.10`

Property Details

APN / Parcel Number

Primary APN	`099-00-00-001.10`
Alternative APNs	`113521` `12831`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,533 sqft Living Area
Family Room	Family Room

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	81,022 sqft (1.86 acres)
Garage Type	Carport
Garage Area	352 sqft
Carport	Carport
Carport Area	352 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	138 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating Fuel	Gas

Location & Zoning

Account Number	12831
Street Address	51 SMITH RD
City	MANCHESTER
State	KY
Zip	40962-7559
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.860 ACRES & HOUSE
Jurisdiction	CLAY KY
Township / Civil Division	MANCHESTER
Census Block Group	3
Census Block	3024
Census Tract	950301

Owner

51 Smith Rd is owned by an individual who bought it in March 2026.

Source: Clay County records, as of March 30, 2026

Owner of Record	Individual Name on File
Mailing Address	6680 N HIGHWAY 421, MANCHESTER, KY 40962-6691
Owner Type	Individual
Vesting	Single

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
Sep 28, 2020	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Sep 7, 2018	Warranty Deed, Transfer · Conventional Mortgage REPUBLIC STATE MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 2, 2026 · Amount on File
Deed Sale	Mar 2, 2026 · Amount on File
Prior Sale	Sep 7, 2018 · Amount on File
Deed Document Number	20261687107
Deed Book / Page	354 / 612
Prior Transfer Date	Aug 23, 2018
Prior Transfer Doc	DEED324/564
Record Updated	Jun 8, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY KY
Property Address	51 SMITH RD, MANCHESTER, KY 40962-7559
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	235/42
Date	Sep 28, 2020
Book Page	235/42
Instrument	311542

Lender

Name	PNC BANK NA
Type	Bank
Address	LONDON, KY 40741

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY KY
Recording Date	Sep 7, 2018
Property Address	51 SMITH RD, MANCHESTER, KY 40962-7559
Document Number	DEED324/564
Book / Page	DEED 324 / 564
Instrument Date	Aug 23, 2018
Instrument	153502
Transaction Type	Transfer
Record Updated	Jan 4, 2022
Title Company	KENTUCKY LAND TITLE, KENTUCKY MTN LAND TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$53.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	51 SMITH RD, MANCHESTER, KY 40962-7559

Mortgage

Document Number	0000153503
Date	Sep 7, 2018
Instrument	153503

Lender

Name	REPUBLIC STATE MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 51 Smith Rd was $776.

Source: Clay County assessment roll, as of December 22, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Clay County
Unified School District	Clay County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$776.00	$65,000	$65,000
2023	$775.00	$65,000	$65,000

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

Flood

FEMA maps place 51 Smith Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 28, 2007 · 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	2 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.

Wildfire

Wildfire risk around 51 Smith Rd is moderate, ranking above 66% of the US, with a 0.3% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 66% of the US · above 81% of Kentucky
Wildfire Likelihood	0.3% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MANCHESTER WATER WORKS serves 11,349 people · EPA ID KY0260737
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2022–2024) 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, 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 55 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

May also be available: Peoples Rural Telephone Cooperative, Verizon.

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