1348 Ditto Rd, Waddy, KY 40076 Property Records

Shelby County property record for 1348 Ditto Rd, Waddy, KY 40076

Property Summary

Property Type	Single Family Home
Lot Size	11.2 acres (489,179 sqft)
Owner	2 Individual Names on Record
Tax Bill	$7,451 (2025)
Deeds & Mortgages	Nov 2019 Construction Loan Aug 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`093-00-005B`

Property Details

APN / Parcel Number

Primary APN	`093-00-005B`
Alternative APN	`0048254`

Exterior

Lot Area	489,179 sqft (11.2 acres)

Location & Zoning

Account Number	0048254
Street Address	1348 DITTO RD
City	WADDY
State	KY
Zip	40076-5054
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	QUAIL RUN ESTATES AMD TR 4A
Legal Subdivision	QUAIL RUN ESTATES
Legal Tract	4A
Jurisdiction	SHELBY KY
Township / Civil Division	HARRISONVILLE
Census Block Group	2
Census Block	2047
Census Tract	40101

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	1348 DITTO RD, WADDY, KY 40076-5054
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2019	Deed of Trust, Mortgage · Construction Mortgage FORT KNOX FCU
Aug 20, 2020	Deed of Trust, Mortgage · Line of Credit ABOUND FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY KY
Property Address	1348 DITTO RD, WADDY, KY 40076-5054
Transaction Type	Mortgage
Record Updated	Jan 21, 2022
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1134/712
Date	Nov 15, 2019
Book Page	M1134/712
Instrument	455186

Lender

Name	FORT KNOX FCU
Type	Credit Union
Address	RADCLIFF, KY 40159

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	369 Months
Due	Aug 1, 2050

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY KY
Property Address	1348 DITTO RD, WADDY, KY 40076-5054
Transaction Type	Mortgage
Record Updated	Jan 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1172/870
Date	Aug 20, 2020
Book Page	M1172/870
Instrument	463083

Lender

Name	ABOUND FCU
Type	Credit Union
Address	RADCLIFF, KY 40159

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 4, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$7,451.00 (-2.33%)	$659,000 (-)	$659,000 (-)
2023	$7,629.00	$659,000	$659,000

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 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

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

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

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

Nearby Properties on Ditto Rd

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