Clay County property record for 645 Paces Creek Rd, Manchester, KY 40962
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,820 sqft · built 1980 |
| Lot Size | 2.07 acres (90,213 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,204 (2025) |
| Flood Zone | Zone A (high risk) |
| APN | 099-20-00-071.00 |
| Primary APN | 099-20-00-071.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Building Area | 1,820 sqft Living Area |
| Family Room | Family Room |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Split Level |
| Exterior Material | Brick Veneer |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 90,213 sqft (2.07 acres) |
| Cooling System | None |
|---|---|
| Heating System | Space Heater |
| Heating Fuel | Gas |
| Account Number | 10487 |
|---|---|
| Street Address | 645 PACES CREEK RD |
| City | MANCHESTER |
| State | KY |
| Zip | 40962-7525 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2.071 ACRES & HOUSE |
| Jurisdiction | CLAY KY |
| Township / Civil Division | MANCHESTER |
| Census Block Group | 3 |
| Census Block | 3028 |
| Census Tract | 950301 |
645 Paces Creek Rd is owned and occupied by two individuals who acquired it in August 2012.
Source: Clay County records, as of December 22, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 645 PACES CREEK RD, MANCHESTER, KY 40962-7525 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 22, 2012 |
| Deed Sale | Aug 22, 2012 |
| Deed Document Number | 2012115965 |
| Deed Book / Page | 304 / 68 |
| Prior Transfer Date | Feb 4, 2006 |
| Prior Transfer Doc | DEED281/505 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 645 Paces Creek Rd was $1,204 with a homeowner's exemption.
Source: Clay County assessment roll, as of December 22, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Clay County |
| Unified School District | Clay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,204.00 Homeowner's exemption | $150,000 | $150,000 |
| 2023 | $1,789.00 | $150,000 | $150,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 645 Paces Creek Rd in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 28, 2007 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| 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 risk around 645 Paces Creek Rd is moderate, ranking above 67% 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 67% of the US · above 82% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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 68 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 |
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