1015 Pea Rdg Rd, Waddy, KY 40076 Property Records

Shelby County property record for 1015 Pea Rdg Rd, Waddy, KY 40076

Property Summary

Property Type	Rural Home
Details	1,606 sqft · built 2007
Lot Size	18 acres (785,822 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,113 (2025)
Deeds & Mortgages	Aug 2021 Line of Credit Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`064-00-041B`

Property Details

APN / Parcel Number

Primary APN	`064-00-041B`
Alternative APN	`0034610`

Interior

Stories	1 Story
Building Area	1,606 sqft Living Area
1st Floor Area	1,606 sqft
Basement Area	1,606 sqft
Unfinished Basement	1,606 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	785,822 sqft (18 acres)
Garage Type	Mixed
Garage Area	484 sqft
Driveway	Driveway
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	126 sqft
Deck Area	24 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	0034610
Street Address	1015 PEA RIDGE RD
City	WADDY
State	KY
Zip	40076-6155
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RESIDENTIA
Legal Description	PEA RIDGE ROAD 18.04 AC
Jurisdiction	SHELBY KY
Township / Civil Division	HARRISONVILLE
Census Block Group	1
Census Block	1012
Census Tract	40101

Owner

1015 Pea Rdg Rd, a rural home, is owned and occupied by two individuals who acquired it in November 2007.

Source: Shelby County records, as of February 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1015 PEA RIDGE RD, WADDY, KY 40076-6155
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Aug 30, 2021	Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF KENTUCKY FCU
Dec 22, 2020	Deed of Trust, Mortgage · VA Mortgage UNITED FINANCIAL GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Nov 17, 2007
Transfer Doc	00D507/726
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY KY
Property Address	1015 PEA RIDGE RD, WADDY, KY 40076-6155
Transaction Type	Mortgage
Record Updated	Sep 14, 2021
Title Company	HIGH STREET TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1240/262
Date	Aug 30, 2021
Book Page	M1240/262
Instrument	476447

Lender

Name	UNIVERSITY OF KENTUCKY FCU
Type	Credit Union
Address	LEXINGTON, KY 40509

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY KY
Property Address	1015 PEA RIDGE RD, WADDY, KY 40076-6155
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LOUISVILLE TITLE AGENCY LLO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1196/831
Date	Dec 22, 2020
Book Page	M1196/831
Instrument	467770

Lender

Name	UNITED FINANCIAL GROUP LLC
Type	Mortgage Company
Address	LOUISVILLE, KY 40242

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 1015 Pea Rdg Rd was $2,113.

Source: Shelby County assessment roll, as of February 17, 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Shelby County
Unified School District	Shelby County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,113.00	$188,000	$188,000
2023	$2,163.00	$188,000	$188,000

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

Flood

FEMA maps place 1015 Pea Rdg Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 15, 2025 · 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 Policies	1 in force

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

Wildfire risk around 1015 Pea Rdg Rd is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	US 60 WATER DISTRICT serves 7,892 people · EPA ID KY1060436
Water Source	Purchased surface water from several systems
Last State Inspection	Mar 2024
Lead	1 ppb (2021–2023) 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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Bluegrass Fiber Fixed Wireless	250 / 50
All Points Broadband Fixed Wireless	10 / 1

Cell Coverage

4G LTE (outdoors only), no 5G reported

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