190 E Union St, Waverly, KY 42462 Property Records

Union County property record for 190 E Union St, Waverly, KY 42462

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 384 sqft
Lot Size	1.16 acres (50,530 sqft)
Owner	Individual Name on Record
Last Sale	$144,000 (Mar 2026)
Tax Bill	$911 (2025)
Deeds & Mortgages	Jul 2017 Mortgage Feb 2020 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`W1-11-03`

Property Details

APN / Parcel Number

Primary APN	`W1-11-03`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	384 sqft Adjusted Area
Basement Area	832 sqft
Unfinished Basement	832 sqft

Exterior

Roof Type	Gable
Lot Area	50,530 sqft (1.16 acres)
Lot Dimensions	280 ft deep x 200 ft wide
Garage Area	360 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	190 E UNION ST
City	WAVERLY
State	KY
Zip	42462-2005
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	190 E UNION ST
Jurisdiction	UNION KY
Township / Civil Division	MORGANFIELD
Census Block Group	1
Census Block	1056
Census Tract	950201

Owner

Source: Union County records, as of March 30, 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 Record
Mailing Address	190 E UNION ST, WAVERLY, KY 42462-2005
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2017	Deed of Trust, Mortgage · FHA Mortgage FIFTH THIRD MORTGAGE CO
Feb 6, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FIFTH THIRD BANK
Dec 3, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FIFTH THIRD BANK
Jul 12, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 19, 2026 · Amount on Record
Deed Sale	Mar 19, 2026 · Amount on Record
Prior Sale	Jul 12, 2017 · Amount on Record
Deed Document Number	2026397566
Deed Book / Page	410 / 349
Record Updated	Jun 8, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION KY
Property Address	190 E UNION ST, WAVERLY, KY 42462-2005
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00429/0177
Date	Jul 13, 2017
Book Page	0429/0177
Instrument	2017-00001347

Lender

Name	FIFTH THIRD MORTGAGE CO
Type	Mortgage Company
Address	CINCINNATI, OH 45227

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2047

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION KY
Property Address	190 E UNION ST, WAVERLY, KY 42462-2005
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000447/524
Date	Feb 6, 2020
Book Page	447/524

Lender

Name	FIFTH THIRD BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION KY
Property Address	190 E UNION ST, WAVERLY, KY 42462-2005
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000465/98
Date	Dec 3, 2021
Book Page	465/98

Lender

Name	FIFTH THIRD BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2042

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION KY
Recording Date	Jul 12, 2017
Property Address	190 E UNION ST, WAVERLY, KY 42462-2005
Document Number	00373/0523
Book / Page	0373 / 0523
Map Reference	DD227 PG249
Instrument Date	Jun 20, 2017
Instrument	2017-00001347
Transaction Type	Transfer
Record Updated	Aug 10, 2022

Transaction

Amount	Amount Recorded
Tax	$66.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	190 E UNION ST, 190, WAVERLY, KY 42462-2005

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	190 E UNION ST, WAVERLY, KY 42462-2005

Tax Assessment & Valuation

Source: Union County assessment roll, as of November 18, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Union County
Municipality	Waverly City
Unified School District	Union County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$911.00 (+33.58%)	$79,420 (+20.33%) Land $12,500 Building $66,920	$79,420 (+20.33%) Land $12,500 Building $66,920
2023	$682.00	$66,000 Land $7,000 Building $59,000	$66,000 Land $7,000 Building $59,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective October 22, 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 98% of the US · lower than 98.2% of Kentucky
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	UNION COUNTY WATER DISTRICT serves 6,117 people · EPA ID KY1130433
Water Source	Purchased surface water from several systems
Last State Inspection	Apr 2024
Lead	5 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

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, 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 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Watch TV.

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