Madison County property record for 185 Falling Branch Rd, Waco, KY 40385
| Property Type | Single Family Home |
|---|---|
| Lot Size | 2.05 acres (89,734 sqft) |
| Owner | Individual Name on File |
| Last Sale | $89,400 (Jul 2009) |
| Tax Bill | $1,555 (2025) |
| Deeds & Mortgages | Sep 2025 Second Mortgage Oct 2017 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0119-0000-0012 |
| Primary APN | 0119-0000-0012 |
|---|---|
| Alternative APNs |
|
| Lot Area | 89,734 sqft (2.05 acres) |
|---|
| Account Number | 43517 |
|---|---|
| Street Address | 185 FALLING BRANCH RD |
| City | WACO |
| State | KY |
| Zip | 40385-9703 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2.06 ACRES |
| Jurisdiction | MADISON KY |
| Township / Civil Division | WACO-BYBEE |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 11002 |
185 Falling Branch Rd is owned and occupied by an individual who bought it in July 2009.
Source: Madison County records, as of December 8, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 185 FALLING BRANCH RD, WACO, KY 40385-9703 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 5, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Oct 23, 2017 | Deed of Trust, Mortgage · FHA Mortgage PEOPLES BANK |
| Aug 9, 2018 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC |
| Feb 11, 2020 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC |
| Feb 3, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Sep 17, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 20, 2009 · Amount on File |
| Deed Sale | Jul 20, 2009 · Amount on File |
| Deed Document Number | 429514 |
| Deed Book / Page | D647 / 740 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 185 FALLING BRANCH RD, WACO, KY 40385-9703 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0M2407/353 |
|---|---|
| Date | Sep 5, 2025 |
| Book Page | M2407/353 |
| Instrument | 2014283293 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Sep 1, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 185 FALLING BRANCH RD, WACO, KY 40385-9703 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | M01770/742 |
|---|---|
| Date | Oct 23, 2017 |
| Book Page | M01770/742 |
| Instrument | 2013966683 |
| Name | PEOPLES BANK |
|---|---|
| Type | Bank |
| Address | NORTH CHARLESTON, SC 29405 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 185 FALLING BRANCH RD, WACO, KY 40385-9703 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2023 |
| Title Company | TITLE SOURCE |
| Name | Verified Name |
|---|
| Document Number | M01818/220 |
|---|---|
| Date | Aug 9, 2018 |
| Book Page | M01818/220 |
| Instrument | 2013979961 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 185 FALLING BRANCH RD, WACO, KY 40385-9703 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | M01917/629 |
|---|---|
| Date | Feb 11, 2020 |
| Book Page | M01917/629 |
| Instrument | 2014007109 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 185 FALLING BRANCH RD, WACO, KY 40385-9703 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0M2018/639 |
|---|---|
| Date | Feb 3, 2021 |
| Book Page | M2018/639 |
| Instrument | 2014028736 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 357 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 185 FALLING BRANCH RD, WACO, KY 40385-9703 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0M2093/225 |
|---|---|
| Date | Sep 17, 2021 |
| Book Page | M2093/225 |
| Instrument | 2014053596 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2051 |
The 2025 property tax bill for 185 Falling Branch Rd was $1,555 with an additional 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 | $1,555.00 Additional exemption filed | $165,000 | $165,000 |
| 2023 | $1,600.00 | $165,000 | $165,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 185 Falling Branch Rd in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2021.
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 |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 7 (2021–2025) |
| Most Recent Claim | Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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 risk around 185 Falling Branch Rd is moderate, ranking above 42% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · above 73% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.07% 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 13 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
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