187 McCormack Rd, Waddy, KY 40076 Property Records

Shelby County property record for 187 McCormack Rd, Waddy, KY 40076

Property Summary

Property Type	Single Family Home
Details	2,080 sqft
Owner	Individual Name on Record
Last Sale	$200,000 (Jul 2019)
Tax Bill	$2,295 (2025)
Deeds & Mortgages	Jul 2019 Sale & Mortgage Jun 2018 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`092A-01-012`

Property Details

APN / Parcel Number

Primary APN	`092A-01-012`
Alternative APN	`0050333`

Interior

Stories	2 Stories
Building Area	2,080 sqft Living Area

Exterior

Architectural Style	Split Level
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Garage Type	Mixed
Parking Spaces	2 Parking Spaces
Deck Area	320 sqft

Location & Zoning

Account Number	0050333
Street Address	187 MCCORMACK RD
City	WADDY
State	KY
Zip	40076-5022
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COUNTRY LANE ESTATES LOT 2
Legal Subdivision	COUNTRY LANE ESTATES
Legal Lot Number	2
Jurisdiction	SHELBY KY
Township / Civil Division	HARRISONVILLE
Census Block Group	2
Census Block	2043
Census Tract	40101

Owner

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

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 Record
Mailing Address	187 MCCORMACK RD, WADDY, KY 40076-5022
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2019	Warranty Deed, Transfer · FHA Mortgage CITIZENS UNION BANK OF SHELBYVILLE
Jun 28, 2018	Quit Claim Deed, Transfer · Line of Credit CITIZENS UNION BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 29, 2019 · Amount on Record
Deed Sale	Jul 29, 2019 · Amount on Record
Prior Sale	Jun 28, 2018 · Amount on Record
Deed Document Number	451931
Deed Book / Page	D0652 / 870
Record Updated	Jun 8, 2026

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY KY
Recording Date	Jul 29, 2019
Property Address	187 MCCORMACK RD, WADDY, KY 40076-5022
Document Number	0D0652/870
Book / Page	D0652 / 870
Map Reference	MB 1 PG 139-144
Instrument Date	Jul 26, 2019
Instrument	451931
Transaction Type	Transfer
Record Updated	Jan 21, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$200.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	588 MCCORMACK RD, 588, WADDY, KY 40076-5019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	187 MCCORMACK RD, WADDY, KY 40076-5022

Mortgage

Document Number	0000451932
Date	Jul 29, 2019
Instrument	451932

Lender

Name	CITIZENS UNION BANK OF SHELBYVILLE
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Mortgage

Document Number	0M1121/276
Date	Jul 29, 2019
Book Page	M1121/276
Instrument	451933

Lender

Name	LEXINGTON-FAYETTE URBAN COUNTY GOV
Type	Government Agency
Address	FRANKFORT, KY 40601

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Aug 1, 2029

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SHELBY KY
Recording Date	Jun 28, 2018
Property Address	187 MCCORMACK RD, WADDY, KY 40076-5022
Document Number	0D0639/525
Book / Page	D0639 / 525
Map Reference	MB 1 PG 140
Instrument Date	Jun 7, 2018
Instrument	442092
Transaction Type	Transfer
Record Updated	Jan 21, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$76.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	999 NW GRAND BLVD, 999, OKLAHOMA CITY, OK 73118-6051

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	588 MCCORMACK RD, WADDY, KY 40076-5019

Mortgage

Document Number	0000442093
Date	Jun 28, 2018
Instrument	442093

Lender

Name	CITIZENS UNION BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jun 28, 2019

Interest

Rate Type	Adjustable Rate

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	$2,295.00 (-2.3%)	$200,000 (-)	$200,000 (-)
2023	$2,349.00	$200,000	$200,000

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 63 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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