65 Frames Branch Rd, Clay City, KY 40312 Property Records

Powell County property record for 65 Frames Branch Rd, Clay City, KY 40312

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,800 sqft · built 2001
Lot Size	3.19 acres (138,956 sqft)
Owner	2 Individual Names on Record
Last Sale	$160,000 (Jan 2021)
Tax Bill	$995 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Jan 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`016-00-00-016.09`

Property Details

APN / Parcel Number

Primary APN	`016-00-00-016.09`
Alternative APNs	`25459572` `108316`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,800 sqft Living Area

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Brick Veneer
Roof Material	Composition Shingle
Lot Area	138,956 sqft (3.19 acres)
Garage Type	Attached
Driveway	Gravel Driveway

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	108316
Street Address	65 FRAMES BRANCH RD
City	CLAY CITY
State	KY
Zip	40312-9677
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3.19 ACRES & HOUSE
Jurisdiction	POWELL KY
Township / Civil Division	CLAY CITY
Census Block Group	2
Census Block	2038
Census Tract	970202

Owner

Source: Powell County records, as of September 11, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	65 FRAMES BRANCH RD, CLAY CITY, KY 40312-9677
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 15, 2024	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Jan 27, 2021	Deed, Transfer · VA Mortgage QUICKEN LOANS LLC
Sep 19, 2017	Deed of Trust, Mortgage · Construction Mortgage CENTRAL BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 27, 2021 · Amount on Record
Deed Sale	Jan 27, 2021 · Amount on Record
Deed Document Number	2021269431
Deed Book / Page	204 / 558
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POWELL KY
Property Address	65 FRAMES BRANCH RD, CLAY CITY, KY 40312-9677
Transaction Type	Mortgage
Record Updated	Feb 29, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	65 FRAMES BRANCH RD, CLAY CITY, KY 40312-9677

Mortgage

Document Number	000323/464
Date	Feb 15, 2024
Book Page	323/464
Instrument	260393

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2054

January 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	POWELL KY
Recording Date	Jan 27, 2021
Property Address	65 FRAMES BRANCH RD, CLAY CITY, KY 40312-9677
Document Number	DEED204/558
Book / Page	DEED 204 / 558
Instrument Date	Jan 26, 2021
Instrument	269431
Transaction Type	Transfer
Record Updated	Dec 20, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$160.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	65 FRAMES BRANCH RD, 65, CLAY CITY, KY 40312-9677

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	3046 FRAMED BRANCH ROAD, CLAY CITY, KY 40312-9429

Mortgage

Document Number	0000269432
Date	Jan 27, 2021
Instrument	269432

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POWELL KY
Property Address	65 FRAMES BRANCH RD, CLAY CITY, KY 40312-9677
Transaction Type	Mortgage
Record Updated	Oct 25, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 164917
Date	Sep 19, 2017
Book Page	MTG 261/812
Instrument	164917

Lender

Name	CENTRAL BANK & TRUST CO
Type	Bank
Address	LEXINGTON, KY 40507

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Sep 1, 2027

Tax Assessment & Valuation

Source: Powell County assessment roll, as of September 11, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$995.00 (-4.14%) Additional exemption filed	$160,000 (-)	$160,000 (-)
2023	$1,038.00 Homeowner's exemption	$160,000	$160,000

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 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 500 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.

Wildfire

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

Wildfire Risk	Low lower than 62% of the US · above 68% 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.

Drinking Water

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

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 37 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

May also be available: AT&T.

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