1595 Waddy Rd, Waddy, KY 40076 Property Records

Shelby County property record for 1595 Waddy Rd, Waddy, KY 40076

Property Summary

Property Type	Single Family Home
Details	2,475 sqft
Lot Size	6.98 acres (304,354 sqft)
Owner	Company Name on Record
Last Sale	$550,000 (Aug 2023)
Tax Bill	$7,350 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Jan 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`092-00-001C`

Property Details

APN / Parcel Number

Primary APN	`092-00-001C`
Alternative APNs	`0055082` `0058535`

Interior

Stories	2 Stories
Building Area	2,475 sqft Living Area

Exterior

Exterior Material	Wood
Construction Type	Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	304,354 sqft (6.98 acres)
Driveway	Gravel Driveway
Porch	Slab
Porch Area	72 sqft
Deck Area	168 sqft

Location & Zoning

Account Number	0058535
Street Address	1595 WADDY RD
City	WADDY
State	KY
Zip	40076-5045
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MCGAUGHEY DIVISION TR 2
Legal Subdivision	MCGAUGHEY DIVISION
Legal Tract	2
Jurisdiction	SHELBY KY
Township / Civil Division	HARRISONVILLE
Census Block Group	3
Census Block	3025
Census Tract	40101

Owner

Source: Shelby County records, as of June 2, 2026

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

Owner of Record	Company Name on Record
Mailing Address	1595 WADDY RD, WADDY, KY 40076-5045
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 29, 2023	Warranty Deed, Transfer · Loan Assumption INDEPENDENCE BANK OF KENTUCKY
Jan 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL SAVINGS BANK OF KENTUCKY
Nov 2, 2022	Deed of Trust, Mortgage · Line of Credit FIRST FSB FRANKFORT KY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 29, 2023 · Amount on Record
Deed Sale	Aug 29, 2023 · Amount on Record
Prior Sale	Aug 29, 2023 · Amount on Record
Deed Document Number	2023508115
Deed Book / Page	717 / 840
Record Updated	Sep 20, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY KY
Recording Date	Aug 29, 2023
Property Address	1595 WADDY RD, WADDY, KY 40076-5045
Document Number	00D717/826
Book / Page	D717 / 826
Map Reference	CAB 9 SL 128
Instrument Date	Aug 25, 2023
Instrument	508112
Transaction Type	Transfer
Record Updated	Sep 27, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$650.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1167 HANSBOUROUGH RD, FRANKFORT, KY 40601-9695

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1595 WADDY RD, WADDY, KY 40076-5045

Mortgage

Document Number	0000508113
Date	Aug 29, 2023
Instrument	508113

Lender

Name	INDEPENDENCE BANK OF KENTUCKY
Type	Bank

Agreement

Type	Loan Assumption
Amount	Amount Recorded
Term	60 Months
Due	Aug 25, 2028

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY KY
Property Address	1595 WADDY RD, WADDY, KY 40076-5045
Transaction Type	Mortgage
Record Updated	Mar 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1595 WADDY RD, WADDY, KY 40076-5045

Mortgage

Document Number	0M1259/343
Date	Jan 4, 2022
Book Page	M1259/343
Instrument	480466

Lender

Name	FIRST FEDERAL SAVINGS BANK OF KENTUCKY
Type	Non-Lending Institution
Address	FRANKFORT, KY 40601

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY KY
Property Address	1595 WADDY RD, WADDY, KY 40076-5045
Transaction Type	Mortgage
Record Updated	Mar 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1595 WADDY RD, WADDY, KY 40076-5045

Mortgage

Document Number	0M1295/623
Date	Nov 2, 2022
Book Page	M1295/623
Instrument	490150

Lender

Name	FIRST FSB FRANKFORT KY
Type	Bank
Address	FRANKFORT, KY 40601

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$7,350.00 (+66.33%)	$650,000 (+71.05%)	$650,000 (+71.05%)
2023	$4,419.00 (-0.43%)	$380,000 (-)	$380,000 (-)
2022	$4,438.00	$380,000	$380,000

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	3 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	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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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