74 Center St, Oneida, KY 40972 Property Records

Clay County property record for 74 Center St, Oneida, KY 40972

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,176 sqft · built 1958
Lot Size	0.133 acres (5,837 sqft)
Owner	Individual Name on Record
Last Sale	$30,900 (Dec 2017)
Tax Bill	$501 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Dec 2017 Sale & Line of Credit + 1 more
Flood Zone	Zone A (high risk)
APN	`145-40-00-028.00`

Property Details

APN / Parcel Number

Primary APN	`145-40-00-028.00`
Alternative APNs	`124003` `13254`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,176 sqft Living Area

Exterior

Year Built	Built 1958
Exterior Material	Other
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	5,837 sqft (0.133 acres)
Porch	Porch
Porch Area	200 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Floor/Wall Furnace

Location & Zoning

Account Number	13254
Street Address	74 CENTER ST
City	ONEIDA
State	KY
Zip	40972-6402
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	0.134 ACRES & HOUSE
Jurisdiction	CLAY KY
Township / Civil Division	ONEIDA
Census Block Group	1
Census Block	1050
Census Tract	950100

Owner

Source: Clay County records, as of December 19, 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
Co-owner	Co-owner on Record
Mailing Address	120 TOWN SQ, MANCHESTER, KY 40962-1217
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 14, 2024	Deed of Trust, Mortgage · Line of Credit THE FIRST NATIONAL BANK OF MANCHESTER
Dec 21, 2017	Special Warranty Deed, Transfer · Line of Credit FIRST NATIONAL BANK OF MANCHESTER
Aug 25, 2017	Deed in Lieu of Foreclosure, Foreclosure TITLE 365, TITLE365

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 21, 2017 · Amount on Record
Deed Sale	Dec 21, 2017 · Amount on Record
Prior Sale	Aug 25, 2017
Deed Document Number	0000032289
Deed Book / Page	322 / 89
Record Updated	Jun 8, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY KY
Property Address	74 CENTER ST, ONEIDA, KY 40972-6402
Transaction Type	Mortgage
Record Updated	Mar 7, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	74 CENTER ST, ONEIDA, KY 40972-6402

Mortgage

Document Number	000248/563
Date	Feb 14, 2024
Book Page	248/563
Instrument	1683099

Lender

Name	THE FIRST NATIONAL BANK OF MANCHESTER
Address	120 TOWN SQ, MANCHESTER, KY 40962

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 31, 2054

December 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CLAY KY
Recording Date	Dec 21, 2017
Property Address	74 CENTER ST, ONEIDA, KY 40972-6402
Document Number	DEED322/089
Book / Page	DEED 322 / 089
Instrument Date	Nov 30, 2017
Instrument	141663
Transaction Type	Transfer
Record Updated	Jan 4, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$31.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4425 PONCE DE LEON BLVD, 4425, CORAL GABLES, FL 33146-1837

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	74 CENTER ST, ONEIDA, KY 40972-6402

Mortgage

Document Number	0000141664
Date	Dec 21, 2017
Instrument	141664

Lender

Name	FIRST NATIONAL BANK OF MANCHESTER
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Dec 15, 2037

August 2017: Deed in Lieu of Foreclosure, Foreclosure

Document Type	Deed in Lieu of Foreclosure
Jurisdiction	CLAY KY
Recording Date	Aug 25, 2017
Property Address	74 CENTER ST, ONEIDA, KY 40972-6402
Document Number	DEED321/010
Book / Page	DEED 321 / 010
Instrument Date	Aug 1, 2017
Instrument	140813
Transaction Type	Foreclosure
Record Updated	Jan 4, 2022
Title Company	TITLE 365, TITLE365

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4425 PONCE DE LEON BLVD # 5TH, CORAL GABLES, FL 33146-1837
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Clay County assessment roll, as of April 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$501.00 (+20.14%)	$42,000 (+2%)	$42,000 (+2%)
2023	$417.00	$35,000	$35,000

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 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
Nearby Flood Claims	8 (1989–2022)
Most Recent Claim	Jul 2022 · Severe Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Flooding, Landslides, And Mudslides, Jul 2022 · 2 claims Severe, Storms, Flooding, Landslides, And Mudslides, Mar 2021 · 2 claims Severe Storms, Mudslides & Flooding, Oct 1989 · 3 claims

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	Moderate above 61% of the US · above 79% of Kentucky
Wildfire Likelihood	0.2% 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	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 67 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Windstream DSL · Fiber in parts of the area	200 / 20

May also be available: Peoples Rural Telephone Cooperative.

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