895 E Elm St, Clay, KY 42404 Property Records

Webster County property record for 895 E Elm St, Clay, KY 42404 · Last verified November 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,856 sqft · built 1992
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on File
Last Sale	$6,000 (Feb 1983)
Tax Bill	$635 (2025)
Flood Zone	Zone A (high risk)
APN	`023-031-001`

Property Details

APN / Parcel Number

Primary APN	`023-031-001`
Alternative APNs	`12309` `7709` `7697`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,856 sqft Finished Area
Family Room	Family Room

Exterior

Year Built	Built 1992
Exterior Material	Stucco
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	130,680 sqft (3 acres)
Garage Type	Attached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	224 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	7697
Street Address	895 E ELM ST
City	CLAY
State	KY
Zip	42404-2031
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & 3.00 ACRES
Jurisdiction	WEBSTER KY
Township / Civil Division	CLAY
Census Block Group	2
Census Block	2086
Census Tract	960300

Owner

Source: Webster County records · APN 023-031-001

Assessment roll updated April 1, 2025 · Last verified November 2025

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

Owner of Record	2 Individual Names on File
Mailing Address	895 E ELM ST, CLAY, KY 42404-2031
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 01, 1983 · Amount on Record
Deed Sale	Feb 01, 1983 · Amount on Record
Deed Document Number	0000186698
Record Updated	Jun 08, 2026

Tax Assessment & Valuation

Source: Webster County records · Assessment roll updated April 1, 2025 · Last verified November 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Webster County
Unified School District	Webster 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$635.00 (+14.62%) Homeowner's exemption	$105,700 (+10.68%)	$105,700 (+10.68%)
2023	$554.00 Homeowner's exemption	$95,500	$95,500

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 Zone	Zone A
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 12 individual NFIP policies nearby
Nearby Flood Policies	12 in force
Nearby Flood Claims	1 (2016)
Most Recent Claim	Apr 2016, other causes

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None 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 8 locations within about half a mile of this property, a small sample

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 35
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.