581 Clay St, Barlow, KY 42024 Property Records

Ballard County property record for 581 Clay St, Barlow, KY 42024

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,380 sqft · built 1955
Lot Size	0.36 acres (15,682 sqft)
Owner	Individual Name on Record
Last Sale	$20,000 (May 2022)
Tax Bill	$1,387 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Aug 2020 Foreclosure + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22A-05-09`

Property Details

APN / Parcel Number

Primary APN	`22A-05-09`
Alternative APN	`4800`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,380 sqft Living Area

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,682 sqft (0.36 acres)
Lot Dimensions	166 ft deep x 95 ft wide
Driveway	Gravel Driveway
Porch	Slab
Porch Area	208 sqft
Patio Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Floor/Wall Furnace
Sewer	Connected

Location & Zoning

Street Address	581 CLAY ST
City	BARLOW
State	KY
Zip	42024-9609
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	95X166 LOT
Jurisdiction	BALLARD KY
Township / Civil Division	BARLOW
Census Block Group	1
Census Block	1069
Census Tract	950200

Owner

Source: Ballard County records, as of October 2, 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 Record
Mailing Address	581 CLAY ST, BARLOW, KY 42024-9609
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2023	Deed of Trust, Mortgage · USDA Mortgage CAPSTAR BANK
Aug 24, 2020	Commissioner's Deed, Foreclosure Foreclosure Auction
Jan 2, 2019	Affidavit, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 17, 2022 · Amount on Record
Deed Sale	May 17, 2022 · Amount on Record
Deed Book / Page	130 / 78
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BALLARD KY
Property Address	581 CLAY ST, BARLOW, KY 42024-9609
Transaction Type	Mortgage
Record Updated	Apr 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 WHARTON RD, CADIZ, KY 42211-9134

Mortgage

Document Number	000128/417
Date	Mar 23, 2023
Book Page	128/417
Instrument	525414

Lender

Name	CAPSTAR BANK
Type	Bank
Address	COLLEGEDALE, TN 37315

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

August 2020: Commissioner's Deed, Foreclosure

Document Type	Commissioner's Deed
Jurisdiction	BALLARD KY
Recording Date	Aug 24, 2020
Property Address	581 CLAY ST, BARLOW, KY 42024-9609
Document Number	000123/502
Book / Page	123 / 502
Instrument Date	Aug 17, 2020
Instrument	521138
Transaction Type	Foreclosure
Record Updated	Mar 7, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 457, LA CENTER, KY 42056-0457

January 2019: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	BALLARD KY
Recording Date	Jan 2, 2019
Property Address	581 CLAY ST, BARLOW, KY 42024-9609
Document Number	000118/338
Book / Page	118 / 338
Instrument Date	Dec 20, 2018
Transaction Type	Transfer
Record Updated	Mar 7, 2023

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
Address	818 FOREST BLVD, SHEBOYGAN FALLS, WI 53085-2564

Tax Assessment & Valuation

Source: Ballard County assessment roll, as of November 13, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Ballard County
Municipality	Barlow City
Unified School District	Ballard County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,387.00 (+573.3%)	$137,000 (+585%)	$137,000 (+585%)
2023	$206.00 Additional exemption filed	$20,000	$20,000

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 July 7, 2014 · 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	3 in force
Nearby Flood Claims	2 (1997–2011)
Most Recent Claim	May 2011 · Severe Storms, Tornadoes, And Flooding

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	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.02% 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	BARLOW WATER SYSTEM serves 1,040 people · EPA ID KY0040020
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	3 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	12 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 185 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ballard Rural Telephone Cooperative Fiber	1,000 / 1,000
Zito Media Cable	1,000 / 25
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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