Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$86,342$72 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 70How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $5,605 on Sep 1, 1987

4098 STATE ROUTE 109 N

CLAY, KY 42404
3
Beds
1
Baths
1,196 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
6 ac
Lot SizeThe size of the land the home sits on, from county records.
1991
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$86K
$61K low$112K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$5,605 · Sep 1, 1987

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$63 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$54,700 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$54,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$54,700

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.49
10
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
35
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
91
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
92
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
19
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.1 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyWebster
Lot (acres)The size of the land the home sits on, from county records.6.00
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Block (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Gas
GarageWhether the property has a garage, and details like whether it is attached to the home.No Garage
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 484 ft²Porch · 112 ft²Outdoor kitchen

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Clay Elementary SchoolB-
Elementary · Grades PK–6 · 3.7 mi
H
Webster County High SchoolD+
High · Grades 9–12 · 9.6 mi

District: Webster County School District

Neighborhood · ZIP 42404These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.138
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.92
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.175

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.88%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.7.4%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.16%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.2,621
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.31 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$56,692
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$66,788
Average tempThe average temperature here across a full year.57°F
Annual precipHow much rain and melted snow falls here in a typical year.47 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.55%

Owner Tools

Do you own this home?
Claim this home

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

4098 State Route 109 N measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Smaller than 66% of homes in Clay 42404
  • Has a bigger lot than 87% of homes in Webster County

What homes are worth in Clay 42404

Each bar is how many homes fall in that price range. The marker is this home.

This home
$29K$328K

This home is worth more than 39% of homes in Clay 42404.

How it measures up in Clay 42404

The dot is this home. The mark in the middle is the typical home in Clay 42404.

Estimated value$86,342
CheaperTypical $101,773Pricier

Pricier than 39% of homes nearby

Price per ft²$72
CheaperTypical $74Pricier

Pricier than 46% of homes nearby

Living area1,196 ft²
SmallerTypical 1,353 ft²Bigger

Bigger than 34% of homes nearby

Lot size6 ac
SmallerTypical 1.5 acBigger

Bigger than 86% of homes nearby

Year built1991
OlderTypical 1994Newer

Newer than 42% of homes nearby

How 4098 State Route 109 N ranks against every home in each area.
MeasureThis homeClay 42404Webster County
Estimated valuepricier than$86,34239% of homes37% of homes
Price per ft²pricier than$7246% of homes43% of homes
Living areabigger than1,196 ft²34% of homes38% of homes
Lot sizebigger than6 ac86% of homes87% of homes
Year builtnewer than199142% of homes37% of homes

About 4098 State Route 109 N

How much is 4098 State Route 109 N, Clay, KY worth?

The TopHap Estimate for 4098 State Route 109 N, Clay, KY is $86,342 as of Sep 24, 2026. The likely range is $60,849 to $111,835. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 4098 State Route 109 N, Clay, KY last sell?

4098 State Route 109 N, Clay, KY last sold on Sep 1, 1987 for $5,605, according to the county's recorded deed.

How big is 4098 State Route 109 N, Clay, KY?

4098 State Route 109 N, Clay, KY has 3 bedrooms, 1 bathrooms, 1,196 square feet of living space and a 6.00-acre lot.

When was 4098 State Route 109 N, Clay, KY built?

4098 State Route 109 N, Clay, KY was built in 1991, making it 35 years old. The building has 1 story.

What schools serve 4098 State Route 109 N, Clay, KY?

4098 State Route 109 N, Clay, KY is assigned to Clay Elementary School (elementary), rated B-; Webster County High School (high), rated D+. All sit in Webster County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 4098 State Route 109 N, Clay, KY compare to other homes in Clay 42404?

Among the 1,113 homes in Clay 42404, it is worth more than 39% of them ($86,342 against a typical $101,773), its price per square foot is higher than 46% of them ($72 against a typical $74), it is bigger than 34% of them (1,196 ft² against a typical 1,353 ft²), its lot is bigger than 86% of them (6 ac against a typical 1.5 ac) and it is newer than 42% of them (1991 against a typical 1994). Measured against all of Webster County, it is worth more than 37% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 4098 State Route 109 N, Clay, KY?

The 2025 property tax bill for 4098 State Route 109 N, Clay, KY was $63. The county assessed it at $54,700.

More homes on State Route 109 N

Closest homes

More homes in Clay 42404

Assigned schools

Explore the area

See this home in context

Open 4098 State Route 109 N on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map