68 Clay Dr, Manchester, KY 40962 Property Records

Clay County property record for 68 Clay Dr, Manchester, KY 40962

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,165 sqft · built 1982
Lot Size	2.18 acres (95,179 sqft)
Owner	2 Individual Names on File
Last Sale	$307,000 (Nov 2025)
Tax Bill	$1,324 (2025)
Deeds & Mortgages	Sep 2008 Mortgage Sep 2005 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`082-20-00-062.00`

Property Details

APN / Parcel Number

Primary APN	`082-20-00-062.00`
Alternative APNs	`113751` `3659`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,165 sqft Living Area
Basement Area	2,165 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	95,179 sqft (2.18 acres)
Garage Type	Basement
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	392 sqft
Porch	Slab
Porch Area	300 sqft
Patio Area	392 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Floor/Wall Furnace
Heating Fuel	Gas

Location & Zoning

Account Number	3659
Street Address	68 CLAY DR
City	MANCHESTER
State	KY
Zip	40962-7011
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2.185 ACRES & HOUSE
Legal Subdivision	CASTLE HEIGHTS 02
Jurisdiction	CLAY KY
Township / Civil Division	MANCHESTER
Census Block Group	2
Census Block	2024
Census Tract	950301

Owner

68 Clay Dr is owned and occupied by two individuals who bought it in November 2025.

Source: Clay County records, as of August 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	68 CLAY DR, MANCHESTER, KY 40962-7011
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

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 17, 2008	Deed of Trust, Mortgage · Conventional Mortgage NATIONAL CITY MORTGAGE
Sep 20, 2005	Deed of Trust, Mortgage · Line of Credit NATIONAL CITY BANK
Nov 3, 2025	Warranty Deed, Transfer · Line of Credit CHURCHILL MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 3, 2025 · Amount on File
Deed Sale	Nov 3, 2025 · Amount on File
Prior Sale	Mar 6, 2023 · Amount on File
Deed Document Number	20251686538
Deed Book / Page	353 / 504
Record Updated	Sep 20, 2026

September 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY KY
Property Address	68 CLAY DR, MANCHESTER, KY 40962-7011
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MTG190/663
Date	Sep 17, 2008
Book Page	MTG 190/663
Instrument	103078

Lender

Name	NATIONAL CITY MORTGAGE
Type	Mortgage Company
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Oct 1, 2018

September 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY KY
Property Address	68 CLAY DR, MANCHESTER, KY 40962-7011
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MTG175/228
Date	Sep 20, 2005
Book Page	MTG 175/228
Instrument	090076

Lender

Name	NATIONAL CITY BANK
Type	Bank
Address	BRECKSVILLE, OH 44141

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY KY
Recording Date	Nov 3, 2025
Property Address	68 CLAY DR, MANCHESTER, KY 40962-7011
Document Number	000353/504
Book / Page	353 / 504
Instrument Date	Oct 14, 2025
Instrument	1686538
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$307.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	611 APRICOT DR, RICHMOND, KY 40475-8684

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	68 CLAY DR, MANCHESTER, KY 40962-7011

Mortgage

Document Number	0001686539
Date	Nov 3, 2025
Instrument	1686539

Lender

Name	CHURCHILL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 68 Clay Dr was $1,324 with a homeowner's exemption, down 2.5% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,324.00 (-2.5%) Homeowner's exemption	$160,000 (-)	$160,000 (-)
2024	$1,358.00 (+0.22%) Homeowner's exemption	$160,000 (-)	$160,000 (-)
2023	$1,355.00 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

FEMA maps place 68 Clay Dr in Zone X, an area of minimal flood risk.

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 68 Clay Dr is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 53% of the US · above 76% of Kentucky
Wildfire Likelihood	0.1% 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	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 137 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
Peoples Rural Telephone Cooperative Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

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