1115 Hickory Rdg Rd, Waddy, KY 40076 Property Records

Franklin County property record for 1115 Hickory Rdg Rd, Waddy, KY 40076

Property Summary

Property Type	Rural Home
Lot Size	20.6 acres (900,995 sqft)
Owner	Individual Name on Record
Last Sale	$605,000 (Aug 2019)
Tax Bill	$6,836 (2025)
Deeds & Mortgages	Mortgage Aug 2019 Sale & Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`004-00-00-024.01`

Property Details

APN / Parcel Number

Primary APN	`004-00-00-024.01`
Alternative APN	`71376`

Interior

Stories	1 Story
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Stucco
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	900,995 sqft (20.6 acres)
Terrain	Rolling
View / Lot	Flood Plain/Flood Zone
Garage Type	Basement
Driveway	Gravel Driveway
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	71376
Street Address	1115 HICKORY RIDGE RD
City	WADDY
State	KY
Zip	40076-8928
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Lot Number	A&B
Jurisdiction	FRANKLIN KY
Township / Civil Division	FRANKFORT
Census Block Group	3
Census Block	3046
Census Tract	71102

Owner

Source: Franklin County records, as of March 27, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1115 HICKORY RIDGE RD, WADDY, KY 40076-8928
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
	Deed of Trust, Mortgage
Aug 19, 2019	Deed, Transfer · Stand-Alone Second Mortgage COMMONWEALTH CREDIT UNION
Oct 6, 2015	Deed, Transfer · Conventional Mortgage FIFTH THIRD MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 19, 2019 · Amount on Record
Deed Sale	Aug 19, 2019 · Amount on Record
Prior Sale	Oct 6, 2015 · Amount on Record
Deed Document Number	2019493185
Deed Book / Page	587 / 773
Record Updated	Jun 8, 2026

: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	1115 HICKORY RIDGE RD, WADDY, KY 40076-8928
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

August 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN KY
Recording Date	Aug 19, 2019
Property Address	1115 HICKORY RIDGE RD, WADDY, KY 40076-8928
Document Number	00D587/773
Book / Page	D587 / 773
Map Reference	CAB F SL 768
Instrument Date	Aug 16, 2019
Instrument	493185
Transaction Type	Transfer
Record Updated	Mar 27, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$605.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	316 AVAWAM DR, RICHMOND, KY 40475-9193

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	1115 HICKORY LN, FRANKFORT, KY 40601

Mortgage

Document Number	0000493187
Date	Aug 19, 2019
Instrument	493187

Lender

Name	COMMONWEALTH CREDIT UNION
Type	Credit Union

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2034

Mortgage

Document Number	0M1500/169
Date	Aug 19, 2019
Book Page	M1500/169
Instrument	493186

Lender

Name	COMMONWEALTH CREDIT UNION
Type	Credit Union
Address	FRANKFORT, KY 40602

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2034

October 2015: Deed, Transfer

Document Type	Deed
Jurisdiction	FRANKLIN KY
Recording Date	Oct 6, 2015
Property Address	1115 HICKORY RIDGE RD, WADDY, KY 40076-8928
Document Number	00D556/661
Book / Page	D556 / 661
Map Reference	CAB F SL768
Instrument Date	Sep 30, 2015
Instrument	436059
Transaction Type	Transfer
Record Updated	Mar 27, 2026
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$625.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1115 HICKORY RIDGE RD, WADDY, KY 40076-8928

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1115 HICKORY RIDGE RD, WADDY, KY 40076-8928

Mortgage

Document Number	0M1356/547
Date	Oct 6, 2015
Book Page	M1356/547
Instrument	436060

Lender

Name	FIFTH THIRD MORTGAGE CO
Type	Mortgage Company
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2045

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of March 27, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,836.00 (+0.25%)	$570,640 (-) Land $5,640 Building $565,000	$570,640 (-) Land $5,640 Building $565,000
2023	$6,819.00	$570,640	$570,640

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

Flood

Source: FEMA National Flood Hazard Layer, effective December 21, 2017 · 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
Flood Insurance Cost	Premium on Record median of 11 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	5 (1997–2015)
Most Recent Claim	Apr 2015 · Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2015 · 2 claims

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

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	0.02% annual chance
Exposure	None beyond ember reach

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	FARMDALE WATER DISTRICT serves 8,203 people · EPA ID KY0370128
Water Source	Purchased surface water from FRANKFORT PLANT BOARD
Last State Inspection	Apr 2024
Also Mapped Here	SO WOODFORD CO WATER DISTRICT
Lead	3 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frankfort Plant Board Fiber	5,000 / 5,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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