Clay County property record for 963 Jacks Creek Rd, Oneida, KY 40972
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 1 ba · 2,852 sqft · built 1940 |
| Lot Size | 27.9 acres (1,215,324 sqft) |
| Owner | Individual Name on File |
| Last Sale | $90,000 (Apr 2023) |
| Tax Bill | $665 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 198-00-00-006.02 |
| Primary APN | 198-00-00-006.02 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,852 sqft Living Area |
| Year Built | Built 1940 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 1,215,324 sqft (27.9 acres) |
| Porch | Porch |
| Porch Area | 348 sqft |
| Cooling System | None |
|---|---|
| Heating System | Space Heater |
| Account Number | 5499 |
|---|---|
| Street Address | 963 JACKS CREEK RD |
| City | ONEIDA |
| State | KY |
| Zip | 40972-6322 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 27.90 ACRES & HOUSE |
| Jurisdiction | CLAY KY |
| Township / Civil Division | BIG CREEK |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 950400 |
963 Jacks Creek Rd is owned and occupied by an individual who bought it in April 2023.
Source: Clay County records, as of December 19, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 963 JACKS CREEK RD, ONEIDA, KY 40972-6322 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 19, 2023 · Amount on File |
| Deed Sale | Apr 19, 2023 · Amount on File |
| Prior Sale | Apr 19, 2010 · Amount on File |
| Deed Document Number | 1681465 |
| Deed Book / Page | 342 / 647 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY KY |
| Recording Date | Aug 31, 2026 |
| Property Address | 963 JACKS CREEK RD, ONEIDA, KY 40972-6322 |
| Document Number | 0001703453 |
| Book / Page | 259 / 260 |
| Instrument Date | Aug 20, 2026 |
| Instrument | 20261703453 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | KENTUCKY MOUNTAIN LAND TITLE INC, KENTUCKY MOUNTAIN LAND TITLE |
| Name | Verified Name |
|---|---|
| Address | 963 JACKS CREEK RD, ONEIDA, KY 40972-6322 |
| Document Number | 0001703453, |
|---|---|
| Date | Aug 31, 2026 |
| Book Page | 259/260 |
| Instrument | 20261703453 |
| Name | USDA FARM SERVICE AGENCY |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Aug 20, 2066 |
| Rate | 6% |
|---|---|
| Max Rate | -1% |
The 2025 property tax bill for 963 Jacks Creek Rd was $665.
Source: Clay County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Clay County |
| Unified School District | Clay County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $665.00 | $55,700 | $55,700 |
| 2023 | $333.00 | $27,900 | $27,900 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 963 Jacks Creek Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1989.
Source: FEMA National Flood Hazard Layer, effective September 28, 2007 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (1989) |
| Most Recent Claim | Oct 1989 · Severe Storms, Mudslides & Flooding |
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 risk around 963 Jacks Creek Rd is high, ranking above 78% of the US, with a 0.6% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 78% of the US · above 90% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.6% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
4G LTE only, no 5G reported
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