1160 Ditto Rd, Waddy, KY 40076 Property Records

Shelby County property record for 1160 Ditto Rd, Waddy, KY 40076

Property Summary

Property Type	Single Family Home
Lot Size	9.01 acres (392,476 sqft)
Owner	Individual Name on File
Last Sale	$56,000 (Apr 2018)
Tax Bill	$3,156 (2025)
Deeds & Mortgages	Mar 2020 Second Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`093-00-005`

Property Details

APN / Parcel Number

Primary APN	`093-00-005`
Alternative APN	`0049561`

Exterior

Lot Area	392,476 sqft (9.01 acres)

Location & Zoning

Account Number	0049561
Street Address	1160 DITTO RD
City	WADDY
State	KY
Zip	40076-5054
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	QUAIL RUN SUB AMD TR 2A
Legal Subdivision	QUAIL RUN ESTATES
Legal Tract	2A
Jurisdiction	SHELBY KY
Township / Civil Division	HARRISONVILLE
Census Block Group	2
Census Block	2047
Census Tract	40101

Owner

1160 Ditto Rd is owned and occupied by an individual who bought it in April 2018.

Source: Shelby County records, as of February 13, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1160 DITTO RD, WADDY, KY 40076-5054
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
Mar 24, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMONWEALTH CREDIT UNION
Mar 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMONWEALTH CREDIT UNION
Apr 3, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 3, 2018 · Amount on File
Deed Sale	Apr 3, 2018 · Amount on File
Deed Document Number	439588
Deed Book / Page	D0636 / 032
Record Updated	Jun 8, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY KY
Property Address	1160 DITTO RD, WADDY, KY 40076-5054
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1149/243
Date	Mar 24, 2020
Book Page	M1149/243
Instrument	458613

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2035

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY KY
Property Address	1160 DITTO RD, WADDY, KY 40076-5054
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1149/223
Date	Mar 24, 2020
Book Page	M1149/223
Instrument	458612

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Apr 1, 2030
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	5.25%
Index	1-Year CMT
Max Rate	9.25%

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY KY
Recording Date	Apr 3, 2018
Property Address	1160 DITTO RD, WADDY, KY 40076-5054
Document Number	0D0636/032
Book / Page	D0636 / 032
Map Reference	CAB 9 SL 122
Instrument Date	Mar 30, 2018
Instrument	439588
Transaction Type	Transfer
Record Updated	Jan 21, 2022

Transaction

Amount	Amount on Record
Tax	$56.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	55 PLANTATION DR, 55, SHELBYVILLE, KY 40065-8300

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11208 RADLEIGH LN, LOUISVILLE, KY 40291-6000

Tax Assessment & Valuation

The 2025 property tax bill for 1160 Ditto Rd was $3,156.

Source: Shelby County assessment roll, as of April 1, 2025

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	$3,156.00	$276,638	$276,638
2023	$3,230.00	$276,638	$276,638

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

Flood

FEMA maps place 1160 Ditto 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 1160 Ditto 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 4 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

Cell Coverage

No cell data coverage reported

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