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76 E Elm St, Clay, KY 42404 Property Records

Webster County property record for 76 E Elm St, Clay, KY 42404 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,523 sqft
Lot Size0.95 acres (41,382 sqft)
Owner2 Individual Names on File
Last Sale$69,200 (Sep 2021)
Tax Bill$418 (2025)
Deeds & MortgagesJul 2022 Transfer
Sep 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN0C3-005-004

Property Details

APN / Parcel Number

Primary APN0C3-005-004
Alternative APNs
  • 13838
  • 9281
  • 9269

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms7 Rooms
Stories1 Story
Building Area2,523 sqft Finished Area
Basement Area1,167 sqft
Family RoomFamily Room
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Exterior MaterialStucco
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area41,382 sqft (0.95 acres)
Garage TypeDetached
Garage Area720 sqft
Parking Spaces3 Parking Spaces
PorchSlab
Porch Area471 sqft
Outdoor Kitchen / BBQOutdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling SystemCentral
Heating FuelGas

Location & Zoning

Account Number9269
Street Address76 E ELM ST
CityCLAY
StateKY
Zip42404-2014
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHOUSE & LOT
Legal SubdivisionASHWOOD ESTATES
JurisdictionWEBSTER KY
Township / Civil DivisionCLAY
Census Block Group2
Census Block2116
Census Tract960300

Owner

Source: Webster County records · APN 0C3-005-004

Assessment roll updated November 18, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing AddressPO BOX 353, CLAY, KY 42404-0353
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 18, 2022Intrafamily Transfer, Transfer
Sep 27, 2021Deed, Transfer · Conventional Mortgage
TOP FLITE FINANCIAL INC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 27, 2021 · Amount on Record
Deed SaleSep 27, 2021 · Amount on Record
Prior SaleNov 10, 2005 · Amount on Record
Deed Document Number2021437152
Deed Book / Page313 / 335
Last Transfer DateJul 14, 2022
Transfer Doc000316/303
Record UpdatedJun 08, 2026

July 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionWEBSTER KY
Recording DateJul 18, 2022
Property Address76 E ELM ST, CLAY, KY 42404-2014
Document Number000316/303
Book / Page316 / 303
Instrument DateJul 14, 2022
Instrument446893
Transaction TypeTransfer
Record UpdatedApr 20, 2023

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address76 E ELM ST, CLAY, KY 42404-2014

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRight of Survivorship
Address76 E ELM ST, CLAY, KY 42404-2014

September 2021: Deed, Transfer

Document TypeDeed
JurisdictionWEBSTER KY
Recording DateSep 27, 2021
Property Address76 E ELM ST, CLAY, KY 42404-2014
Document NumberDEED313/335
Book / PageDEED 313 / 335
Instrument DateSep 22, 2021
Instrument437152
Transaction TypeTransfer
Record UpdatedApr 20, 2023

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$69.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address508 ACORN CT, MOUNT AIRY, MD 21771-2835

Transferred To (Grantee/Buyer)

NameVerified Name
Address76 E ELM ST, CLAY, KY 42404-2014

Mortgage

Document Number0000437153
DateSep 27, 2021
Instrument437153
Lender
NameTOP FLITE FINANCIAL INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2051

Tax Assessment & Valuation

Source: Webster County records · Assessment roll updated November 18, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateKentucky
MunicipalityClay City
CountyWebster County
Unified School DistrictWebster County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$418.00 (-46.48%) Homeowner's exemption$74,600 (+7.8%)$74,600 (+7.8%)
2023$781.00$69,200$69,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Webster County (21233C), updated October 7, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 212339603002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance CostPremium on Record
median of 12 individual NFIP policies nearby
Nearby Flood Policies12 in force
Nearby Flood Claims1 (2016)
Most Recent ClaimApr 2016, other causes

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 181 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 1,000
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

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