Madison County property record for 138 Gumbottom Rd, Waco, KY 40385
| Property Type | Single Family Home |
|---|---|
| Details | 2,620 sqft |
| Owner | 2 Individual Names on File |
| Last Sale | $12,000 (Apr 1985) |
| Tax Bill | $1,272 (2025) |
| Deeds & Mortgages | Jan 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0111-0000-0007-A |
| Primary APN | 0111-0000-0007-A |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,620 sqft Living Area |
| Exterior Material | Stone |
|---|---|
| Garage Type | Basement |
| Total Buildings | 2 Buildings |
| Account Number | 68221 |
|---|---|
| Street Address | 138 GUMBOTTOM RD |
| City | WACO |
| State | KY |
| Zip | 40385-9501 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SOUTH MADISON ACRES LOT 1 |
| Legal Subdivision | SOUTH MADISON ACRES |
| Legal Lot Number | 1 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 11103 |
138 Gumbottom Rd is owned and occupied by two individuals who bought it in April 1985.
Source: Madison County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 138 GUMBOTTOM RD, WACO, KY 40385-9501 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 10, 1985 · Amount on File |
| Deed Sale | Apr 10, 1985 · Amount on File |
| Deed Document Number | 0000372285 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 138 GUMBOTTOM RD, WACO, KY 40385-9501 |
| Transaction Type | Mortgage |
| Record Updated | Feb 6, 2019 |
| Name | Verified Name |
|---|
| Document Number | M01845/026 |
|---|---|
| Date | Jan 30, 2019 |
| Book Page | M01845/026 |
| Instrument | 2013987758 |
| Name | KENTUCKY BANK |
|---|---|
| Type | Bank |
| Address | RICHMOND, KY 40475 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jan 9, 2039 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 138 Gumbottom Rd was $1,272 with a homeowner's exemption.
Source: Madison County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,272.00 Homeowner's exemption | $184,000 | $184,000 |
| 2023 | $1,335.00 Homeowner's exemption | $184,000 | $184,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 138 Gumbottom Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective December 21, 2017
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 138 Gumbottom Rd is moderate, ranking above 40% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · above 70% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MADISON CO UTILITIES DISTRICT serves 25,120 people · EPA ID KY0760224 |
|---|---|
| Water Source | Purchased surface water from RICHMOND UTILITIES |
| Last State Inspection | Nov 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | E. coli resolved · Jun 2019 |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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