Clay County property record for 686 Muddy Gap Rd, Manchester, KY 40962
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,280 sqft · built 1972 |
| Lot Size | 0.341 acres (14,854 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $537 (2025) |
| Deeds & Mortgages | May 2018 Second Mortgage Dec 2023 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 083-00-00-028.00 |
| Primary APN | 083-00-00-028.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,280 sqft Living Area |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 14,854 sqft (0.341 acres) |
| Cooling System | None |
|---|---|
| Heating System | Space Heater |
| Heating Fuel | Gas |
| Account Number | 11924 |
|---|---|
| Street Address | 686 MUDDY GAP RD |
| City | MANCHESTER |
| State | KY |
| Zip | 40962-7280 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 0.341 ACRES & HOUSE |
| Jurisdiction | CLAY KY |
| Township / Civil Division | MANCHESTER |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 950302 |
Source: Clay County records, as of December 22, 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 |
|---|---|
| Mailing Address | 712 MUDDY GAP RD, MANCHESTER, KY 40962-7282 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 18, 2018 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage KENTUCKY MOUNTAIN HOUSING DEVELOPMENT CO |
| Dec 28, 2023 | Warranty Deed, Transfer |
| Apr 19, 2018 | Intrafamily Transfer, Transfer · Line of Credit KENTUCKY MOUNTIAN HOUSING DEVELOPME |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Apr 19, 2018 |
| Transfer Doc | DEED323/193 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY KY |
| Property Address | 686 MUDDY GAP RD, MANCHESTER, KY 40962-7280 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|
| Document Number | MTG225/487 |
|---|---|
| Date | May 18, 2018 |
| Book Page | MTG 225/487 |
| Instrument | 142635 |
| Name | KENTUCKY MOUNTAIN HOUSING DEVELOPMENT CO |
|---|---|
| Type | Non-Lending Institution |
| Address | MANCHESTER, KY 40962 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | May 17, 2023 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY KY |
| Recording Date | Dec 28, 2023 |
| Property Address | 686 MUDDY GAP RD, MANCHESTER, KY 40962-7280 |
| Document Number | 0000346/28 |
| Book / Page | 346 / 28 |
| Instrument Date | May 31, 2019 |
| Instrument | 1682880 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $11.50 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 686 MUDDY GAP RD, MANCHESTER, KY 40962-7280 |
| Name | Verified Name |
|---|---|
| Address | 712 MUDDY GAP RD, MANCHESTER, KY 40962-7282 |
| Mail Care Of | GRAY RUSSELL HYDE |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CLAY KY |
| Recording Date | Apr 19, 2018 |
| Property Address | 686 MUDDY GAP RD, MANCHESTER, KY 40962-7280 |
| Document Number | DEED323/193 |
| Book / Page | DEED 323 / 193 |
| Instrument Date | Apr 19, 2018 |
| Instrument | 142452 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1134 HOOKER RD, MANCHESTER, KY 40962-8132 |
| Name | Verified Name |
|---|---|
| Address | 686 MUDDY GAP RD, MANCHESTER, KY 40962-7280 |
| Document Number | 0000142453 |
|---|---|
| Date | Apr 19, 2018 |
| Instrument | 142453 |
| Name | KENTUCKY MOUNTIAN HOUSING DEVELOPME |
|---|---|
| Type | Non-Lending Institution |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
Source: Clay County assessment roll, as of December 22, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Clay County |
| Municipality | Manchester City |
| Unified School District | Clay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $537.00 | $45,000 (+14.5%) | $45,000 (+14.5%) |
| 2023 | Homeowner's exemption | $39,300 | $39,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 71% of the US · above 83% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.4% 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 28 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber | 2,000 / 2,000 |
| Peoples Rural Telephone Cooperative Fiber | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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