54 Unity Rd, Manchester, KY 40962 Property Records

Clay County property record for 54 Unity Rd, Manchester, KY 40962

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 864 sqft · built 2004
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on Record
Last Sale	$131,000 (Jul 2022)
Tax Bill	$1,564 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Oct 2025 Sale & Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`036-30-00-013.00`

Property Details

APN / Parcel Number

Primary APN	`036-30-00-013.00`
Alternative APNs	`113025` `4948`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	864 sqft Living Area

Exterior

Year Built	Built 2004
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	21,780 sqft (0.5 acres)
Porch	Porch
Porch Area	72 sqft
Patio Area	16 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	4948
Street Address	54 UNITY RD
City	MANCHESTER
State	KY
Zip	40962-4986
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	0.500 ACRES & HOUSE LOT # 13
Legal Lot Number	13
Jurisdiction	CLAY KY
Township / Civil Division	BURNING SPRINGS
Census Block Group	1
Census Block	1013
Census Tract	950202

Owner

Source: Clay County records, as of December 19, 2025

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	54 UNITY RD, MANCHESTER, KY 40962-4986
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2022	Deed of Trust, Mortgage · Line of Credit LEXINGTON-FAYETTE URBAN COUNTY GOV
Oct 29, 2025	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jul 21, 2022	Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Apr 5, 2021	Deed, Transfer
Apr 5, 2021	Deed, Transfer
Oct 6, 2020	Deed, Transfer
Oct 6, 2020	Deed, Transfer
May 6, 2011	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2022 · Amount on Record
Deed Sale	Jul 21, 2022 · Amount on Record
Prior Sale	Apr 5, 2021 · Amount on Record
Deed Document Number	0000339529
Deed Book / Page	339 / 529
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY KY
Property Address	54 UNITY RD, MANCHESTER, KY 40962-4986
Transaction Type	Mortgage
Record Updated	Jun 29, 2026
Title Company	LAND GROUP TITLE AND CLOSINGS, LAND GROUP TITLE & CLOSINGS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 UNITY RD, MANCHESTER, KY 40962-4986

Mortgage

Document Number	000243/235
Date	Jul 21, 2022
Book Page	243/235
Instrument	316650

Lender

Name	LEXINGTON-FAYETTE URBAN COUNTY GOV
Type	Government Agency
Address	FRANKFORT, KY 40601

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Aug 1, 2032

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY KY
Recording Date	Oct 29, 2025
Property Address	54 UNITY RD, MANCHESTER, KY 40962-4986
Document Number	000353/482
Book / Page	353 / 482
Instrument Date	Oct 10, 2025
Instrument	1686509
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	ACUTE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$140.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	54 UNITY RD, MANCHESTER, KY 40962-4986

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 UNITY RD, MANCHESTER, KY 40962-4986

Mortgage

Document Number	000255/284
Date	Oct 29, 2025
Book Page	255/284
Instrument	1686510

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	1400 FORUM BLVD STE 18, COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

July 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY KY
Recording Date	Jul 21, 2022
Property Address	54 UNITY RD, MANCHESTER, KY 40962-4986
Document Number	000339/529
Book / Page	339 / 529
Instrument Date	Jul 5, 2022
Instrument	316648
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	LAND GROUP R/E TITLE AND CLOSINGS, LAND GROUP RE TTL & CLOSING

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	54 UNITY RD, MANCHESTER, KY 40962-4986
Mail Care Of	PATRICK JOSEPH COLLINS AND DESTINEY COLL

Mortgage

Document Number	0000316649
Date	Jul 21, 2022
Instrument	316649

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

April 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY KY
Recording Date	Apr 5, 2021
Property Address	54 UNITY RD, MANCHESTER, KY 40962-4986
Document Number	334/55
Book / Page	334 / 55
Instrument Date	Mar 19, 2021
Instrument	313086
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Amount	Amount Recorded
Tax	$15.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	415 SPRING ST APT 2, 415, LONDON, KY 40741-1421

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	54 UNITY RD, MANCHESTER, KY 40962-4986

April 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY KY
Recording Date	Apr 5, 2021
Property Address	54 UNITY RD, MANCHESTER, KY 40962-4986
Document Number	0000334/55
Book / Page	334 / 55
Instrument Date	Mar 19, 2021
Instrument	313086
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Tax	$15.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	415 SPRING ST APT 2, 2, LONDON, KY 40741-1421

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	54 UNITY RD, MANCHESTER, KY 40962-4986

October 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY KY
Recording Date	Oct 6, 2020
Property Address	54 UNITY RD, MANCHESTER, KY 40962-4986
Document Number	332/106
Book / Page	332 / 106
Instrument Date	Sep 16, 2020
Instrument	311669
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Amount	Amount Recorded
Tax	$18.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	707 PARKER RD, 707, LONDON, KY 40741-8221

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	54 UNITY RD, MANCHESTER, KY 40962-4986

October 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY KY
Recording Date	Oct 6, 2020
Property Address	54 UNITY RD, MANCHESTER, KY 40962-4986
Document Number	000332/106
Book / Page	332 / 106
Instrument Date	Sep 16, 2020
Instrument	311669
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Tax	$18.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	707 PARKER RD, LONDON, KY 40741-8221

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	54 UNITY RD, MANCHESTER, KY 40962-4986

May 2011: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY KY
Recording Date	May 6, 2011
Property Address	54 UNITY RD, MANCHESTER, KY 40962-4986
Document Number	DEED300/023
Book / Page	DEED300 / 023
Map Reference	MB266 PG538
Instrument Date	May 6, 2011
Instrument	111827
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 729, MANCHESTER, KY 40962-0729

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 UNITY RD, MANCHESTER, KY 40962-4986

Tax Assessment & Valuation

Source: Clay County assessment roll, as of April 1, 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	$1,564.00 (+0.13%)	$131,000 (-)	$131,000 (-)
2023	$1,562.00	$131,000	$131,000

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

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	2 (2022)
Most Recent Claim	Jul 2022 · Severe Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Flooding, Landslides, And Mudslides, Jul 2022 · 2 claims

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

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

Wildfire Risk	Moderate above 64% of the US · above 80% of Kentucky
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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	NORTH MANCHESTER WATER ASSOC private · serves 5,332 people · EPA ID KY0260266
Water Source	Purchased surface water from MANCHESTER WATER WORKS
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2025 Haloacetic acids resolved · Apr 2018
Treatment and Procedure	None last 10 years
Monitoring and Reporting	8 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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	100 / 3

May also be available: Peoples Rural Telephone Cooperative.

Cell Coverage

5G (outdoors only) and 4G LTE

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