Union County property record for 190 E Main St, Waverly, KY 42462
| Property Type | Single Family Home |
|---|---|
| Details | 812 sqft |
| Lot Size | 1.33 acres (58,240 sqft) |
| Owner | Individual Name on File |
| Last Sale | $55,000 (Aug 2021) |
| Tax Bill | $635 (2025) |
| Deeds & Mortgages | May 2023 Line of Credit Apr 2019 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | W1-12-09 |
| Primary APN | W1-12-09 |
|---|
| Stories | 1 Story |
|---|---|
| Building Area | 812 sqft Adjusted Area |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 58,240 sqft (1.33 acres) |
| Lot Dimensions | 280 ft deep x 208 ft wide |
| Garage Type | Mixed |
| Garage Area | 1,516 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 190 E MAIN ST |
|---|---|
| City | WAVERLY |
| State | KY |
| Zip | 42462-2011 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 190 E MAIN ST |
| Legal Subdivision | CAMP BRECKENRIDGE |
| Jurisdiction | UNION KY |
| Township / Civil Division | MORGANFIELD |
| Census Block Group | 1 |
| Census Block | 1055 |
| Census Tract | 950201 |
Source: Union County records · APN W1-12-09
Assessment roll updated November 18, 2025 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 190 E MAIN ST, WAVERLY, KY 42462-2011 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 31, 2023 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA |
| Apr 24, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance FIFTH THIRD BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 03, 2021 · Amount on Record |
| Deed Sale | Aug 03, 2021 · Amount on Record |
| Deed Document Number | 2021339152 |
| Deed Book / Page | 392 / 225 |
| Prior Transfer Date | Jun 19, 2014 |
| Prior Transfer Doc | 362/657 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION KY |
| Property Address | 190 E MAIN ST, WAVERLY, KY 42462-2011 |
| Transaction Type | Mortgage |
| Record Updated | Jun 20, 2023 |
| Name | Verified Name |
|---|
| Document Number | 00M478/725 |
|---|---|
| Date | May 31, 2023 |
| Book Page | M478/725 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 25, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION KY |
| Property Address | 190 E MAIN ST, WAVERLY, KY 42462-2011 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 442/137 |
|---|---|
| Date | Apr 24, 2019 |
| Book Page | 442/137 |
| Name | FIFTH THIRD BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2049 |
Source: Union County records · Assessment roll updated November 18, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Union County |
| Municipality | Waverly City |
| Unified School District | Union County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $635.00 (-32.45%) Homeowner's exemption | $104,470 (+14.8%) Land $15,000 Building $89,470 | $104,470 (+14.8%) Land $15,000 Building $89,470 |
| 2023 | $940.00 | $91,000 Land $4,000 Building $87,000 | $91,000 Land $4,000 Building $87,000 |
Source: FEMA National Flood Hazard Layer as of October 22, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Low lower than 98% of the US · lower than 98.2% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Benton Ridge Telephone Company.
Based on FCC filings for 32 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | UNION COUNTY WATER DISTRICT serves 6,117 people |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Apr 2024 |
| Lead | 5 ppb (2021–2023) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Jan 2026 Haloacetic acids resolved · Jan 2026 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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