95 Main St, Manchester, KY 40962 Property Records

Clay County property record for 95 Main St, Manchester, KY 40962

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	9,548 sqft · built 1941
Lot Size	0.151 acres (6,621 sqft)
Owner	Company Name on File
Last Sale	$100,000 (Oct 2019)
Tax Bill	$1,194 (2025)
Deeds & Mortgages	Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`082-42-09-015.00`

Property Details

APN / Parcel Number

Primary APN	`082-42-09-015.00`
Alternative APNs	`114820` `7010`

Interior

Stories	2 Stories
Building Area	9,548 sqft Total Area

Exterior

Year Built	Built 1941
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Material	Other
Lot Area	6,621 sqft (0.151 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	7010
Street Address	95 MAIN ST
City	MANCHESTER
State	KY
Zip	40962
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	0.152 ACRES & COMM BLDG
Jurisdiction	CLAY KY
Township / Civil Division	MANCHESTER
Census Block Group	2
Census Block	2002
Census Tract	950301

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Manchester Historic District listed 2023 · 40 contributing resources · NRIS 100008883

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

95 Main St, a commercial property, is owned by a company that bought it in October 2019.

Source: Clay County records, as of December 19, 2025

Owner of Record	Company Name on File
Mailing Address	PO BOX 75, GARRARD, KY 40941-0075
Owner Type	Company

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 11, 2019 · Amount on File
Deed Sale	Oct 11, 2019 · Amount on File
Deed Document Number	0000328716
Deed Book / Page	328 / 716
Record Updated	Jun 8, 2026

October 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY KY
Recording Date	Oct 11, 2019
Property Address	95 MAIN ST, MANCHESTER, KY 40962
Document Number	DEED328/716
Book / Page	DEED 328 / 716
Instrument Date	Sep 27, 2019
Instrument	166419
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	95 HENSLEY ST, 95, MANCHESTER, KY 40962-7251

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 75, GARRARD, KY 40941-0075

Mortgage

Document Number	166420
Date	Oct 11, 2019
Instrument	166420

Lender

Name	CITIZENS NATIONAL BANK OF SOMERSET
Type	Bank

Agreement

Amount	Amount on Record
Term	119 Months
Due	Sep 27, 2029

Tax Assessment & Valuation

The 2025 property tax bill for 95 Main St was $1,194.

Source: Clay County assessment roll, as of April 1, 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	$1,194.00	$100,000	$100,000
2023	$1,193.00	$100,000	$100,000

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

Flood

FEMA maps place 95 Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 95 Main St is moderate, ranking above 57% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 57% of the US · above 78% of Kentucky
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach

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