959 E Elm St, Clay, KY 42404 Property Records

Webster County property record for 959 E Elm St, Clay, KY 42404 · Last verified November 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,300 sqft
Lot Size	3 acres (130,680 sqft)
Owner	Individual Name on File
Last Sale	$85,000 (Apr 2025)
Tax Bill	$700 (2025)
Deeds & Mortgages	Apr 2025 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`023-031-002`

Property Details

APN / Parcel Number

Primary APN	`023-031-002`
Alternative APNs	`6027` `1411` `7693`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,300 sqft Finished Area
Family Room	Family Room

Exterior

Exterior Material	Brick Veneer
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	130,680 sqft (3 acres)
Garage Type	Detached
Garage Area	1,050 sqft
Parking Spaces	4 Parking Spaces
Pool Area	512 sqft
Patio Area	220 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating Fuel	Gas

Location & Zoning

Account Number	7693
Street Address	959 E ELM ST
City	CLAY
State	KY
Zip	42404-2033
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 023-031-002

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	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	959 E ELM ST, CLAY, KY 42404-2033
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 09, 2025 · Amount on Record
Deed Sale	Apr 09, 2025 · Amount on Record
Deed Document Number	463921
Deed Book / Page	DEED325 / 740
Record Updated	Jun 08, 2026

April 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WEBSTER KY
Recording Date	Apr 09, 2025
Property Address	959 E ELM ST, CLAY, KY 42404-2033
Document Number	DEED325/740
Book / Page	DEED325 / 740
Instrument Date	Apr 03, 2025
Instrument	463921
Transaction Type	Transfer
Record Updated	Nov 18, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$85.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	895 E ELM ST, CLAY, KY 42404-2031

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	959 E ELM ST, CLAY, KY 42404-2033

Mortgage

Document Number	0000463922
Date	Apr 09, 2025
Instrument	463922

Lender

Name	UNITED COMMUNITY BANK OF WEST KY IN
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Apr 18, 2045

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	$700.00 (+508.7%)	$62,400 (+10.25%)	$62,400 (+10.25%)
2023	$115.00 Homeowner's exemption	$56,600	$56,600

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 X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 100 ft
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.