Franklin County property record for 2 Harmony Lndg, Waddy, KY 40076
| Property Type | Duplex |
|---|---|
| Details | built 1986 |
| Lot Size | 0.278 acres (12,126 sqft) |
| Owner | Company Name on Record |
| Last Sale | $127,000 (Mar 2007) |
| Tax Bill | $2,587 (2025) |
| Deeds & Mortgages | Sep 2013 Mortgage Sep 2013 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 048-40-08-009.00 |
| Primary APN | 048-40-08-009.00 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Duplex Single |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 12,126 sqft (0.278 acres) |
| Terrain | Rolling |
| View / Lot | Flood Plain/Flood Zone |
| Garage Type | Basement |
| Driveway | Asphalt Driveway |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 78651 |
|---|---|
| Street Address | 2 HARMONY LNDG |
| City | WADDY |
| State | KY |
| Zip | 40076 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | LOT 7A LOT 7B |
| Legal Subdivision | SIGNAL RIDGE A |
| Legal Phase | 1 |
| Legal Lot Number | 7A-7B |
| Jurisdiction | FRANKLIN KY |
| Township / Civil Division | FRANKFORT |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 70401 |
Source: Franklin County records, as of March 27, 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 | 573 AVENSTOKE RD, WADDY, KY 40076-8907 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Sep 23, 2013 | Deed of Trust, Mortgage CITIZENS COMMERCE NATIONAL BANK |
| Sep 23, 2013 | Deed of Trust, Mortgage CITIZENS COMMERCE NATIONAL BANK |
| Mar 9, 2007 | Deed, Transfer · Line of Credit FARMERS BANK & CAPITAL TRUST COMAPA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 9, 2007 · Amount on Record |
| Deed Sale | Mar 9, 2007 · Amount on Record |
| Deed Document Number | 2007313275 |
| Deed Book / Page | 497 / 588 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 2 HARMONY LNDG, WADDY, KY 40076 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0M1296/190 |
|---|---|
| Date | Sep 23, 2013 |
| Book Page | M1296/190 |
| Instrument | 407488 |
| Name | CITIZENS COMMERCE NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | VERSAILLES, KY 40383 |
| Amount | Amount Recorded |
|---|---|
| Term | 119 Months |
| Due | Aug 14, 2023 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 2 HARMONY LNDG, WADDY, KY 40076 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0M1296/209 |
|---|---|
| Date | Sep 23, 2013 |
| Book Page | M1296/209 |
| Instrument | 407490 |
| Name | CITIZENS COMMERCE NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | VERSAILLES, KY 40383 |
| Amount | Amount Recorded |
|---|---|
| Term | 119 Months |
| Due | Aug 14, 2023 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Mar 9, 2007 |
| Property Address | 2 HARMONY LNDG, WADDY, KY 40076 |
| Document Number | 00D497/588 |
| Book / Page | D497 / 588 |
| Map Reference | CAB A SL106 |
| Instrument Date | Mar 7, 2007 |
| Instrument | 313275 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $127.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1170 ODSBAVANS LANS, 00000 |
| Name | Verified Name |
|---|---|
| Address | 144 GAYBOURNE WAY, VERSAILLES, KY 40383-9428 |
| Document Number | 0000313276 |
|---|---|
| Date | Mar 9, 2007 |
| Instrument | 313276 |
| Name | FARMERS BANK & CAPITAL TRUST COMAPA |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 7, 2037 |
Source: Franklin County assessment roll, as of March 27, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Franklin County |
| Municipality | Frankfort City |
| Unified School District | Franklin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,587.00 (+58.03%) | $216,000 (+57.66%) Land $30,000 Building $186,000 | $216,000 (+57.66%) Land $30,000 Building $186,000 |
| 2023 | $1,637.00 (+0.92%) | $137,000 (-) | $137,000 (-) |
| 2022 | $1,622.00 | $137,000 | $137,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 8 (10% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 11 (1984–2025) |
| Claims Outside the SFHA | 1 of 11 |
| 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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | FRANKFORT PLANT BOARD serves 52,153 people · EPA ID KY0370143 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2024 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 239 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frankfort Plant Board Fiber | 5,000 / 5,000 |
| AT&T Fiber | 5,000 / 5,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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