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Single Family ResidenceResidential
$64,436$75 / 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 72How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026

885 STATE ROUTE 109 N

CLAY, KY 42404
3
Beds
1
Baths
864 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.
1.2 ac
Lot SizeThe size of the land the home sits on, from county records.
2000
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$64K
$47K low$82K high

Tax & Assessment

Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$29,800 (2026)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$29,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$29,800

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.52
45
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
19
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
90
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
91
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.8 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.34%
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.1 percent flood zone

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.1.20
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.Electric
CoolingThe type of cooling or air conditioning in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.No Garage
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 168 ft²Outdoor kitchen

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

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 · 1.0 mi
H
Webster County High SchoolD+
High · Grades 9–12 · 6.6 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%

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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

885 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.

  • Worth less than 83% of homes in Clay 42404
  • Smaller than 89% of homes in Clay 42404
  • Newer than 73% of homes in Clay 42404

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
$32K$382K

This home is worth more than 17% 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$64,436
CheaperTypical $104,327Pricier

Pricier than 17% of homes nearby

Price per ft²$75
CheaperTypical $77Pricier

Pricier than 46% of homes nearby

Living area864 ft²
SmallerTypical 1,357 ft²Bigger

Bigger than 11% of homes nearby

Lot size1.2 ac
SmallerTypical 0.85 acBigger

Bigger than 62% of homes nearby

Year built2000
OlderTypical 1994Newer

Newer than 73% of homes nearby

How 885 State Route 109 N ranks against every home in each area.
MeasureThis homeClay 42404Webster County
Estimated valuepricier than$64,43617% of homes23% of homes
Price per ft²pricier than$7546% of homes44% of homes
Living areabigger than864 ft²11% of homes11% of homes
Lot sizebigger than1.2 ac62% of homes59% of homes
Year builtnewer than200073% of homes66% of homes

About 885 State Route 109 N

How much is 885 State Route 109 N, Clay, KY worth?

The TopHap Estimate for 885 State Route 109 N, Clay, KY is $64,436 as of Oct 21, 2026. The likely range is $46,681 to $82,191. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 885 State Route 109 N, Clay, KY last sell?

885 State Route 109 N, Clay, KY last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 885 State Route 109 N, Clay, KY?

885 State Route 109 N, Clay, KY has 3 bedrooms, 1 bathrooms, 864 square feet of living space and a 1.20-acre lot.

When was 885 State Route 109 N, Clay, KY built?

885 State Route 109 N, Clay, KY was built in 2000, making it 26 years old. The building has 1 story.

What schools serve 885 State Route 109 N, Clay, KY?

885 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 885 State Route 109 N, Clay, KY compare to other homes in Clay 42404?

Among the 1,121 homes in Clay 42404, it is worth more than 17% of them ($64,436 against a typical $104,327), its price per square foot is higher than 46% of them ($75 against a typical $77), it is bigger than 11% of them (864 ft² against a typical 1,357 ft²), its lot is bigger than 62% of them (1.2 ac against a typical 0.85 ac) and it is newer than 73% of them (2000 against a typical 1994). Measured against all of Webster County, it is worth more than 23% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

More homes on State Route 109 N

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Assigned schools

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