20 Tuttle Ln, Waddy, KY 40076 Property Records

Franklin County property record for 20 Tuttle Ln, Waddy, KY 40076

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on Record
Tax Bill	$214 (2025)
Deeds & Mortgages	May 2026 Mortgage Sep 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`004-00-00-015.00`

Property Details

APN / Parcel Number

Primary APN	`004-00-00-015.00`
Alternative APN	`37048`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	17,424 sqft (0.4 acres)
Terrain	Rolling
View / Lot	Flood Plain/Flood Zone
Garage Type	Attached
Driveway	Gravel Driveway
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	37048
Street Address	20 TUTTLE LN
City	WADDY
State	KY
Zip	40076-8902
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	FRANKLIN KY
Township / Civil Division	FRANKFORT
Census Block Group	3
Census Block	3039
Census Tract	71102

Owner

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	Individual Name on Record
Mailing Address	20 TUTTLE LN, WADDY, KY 40076-8902
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 13, 2026	Deed of Trust, Mortgage · VA Mortgage ACE MORTGAGE FUNDING, LLC
Sep 5, 2023	Deed of Trust, Mortgage · VA Mortgage NEWREZ LLC

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Recording Date	May 13, 2026
Property Address	20 TUTTLE LN, WADDY, KY 40076-8902
Document Number	0000908986
Book / Page	1817 / 833
Instrument Date	Apr 29, 2026
Instrument	2026908986
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 TUTTLE LN, WADDY, KY 40076-8902

Mortgage

Document Number	0000908986,
Date	May 13, 2026
Book Page	1817/833
Instrument	2026908986

Lender

Name	ACE MORTGAGE FUNDING, LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.46%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN KY
Property Address	20 TUTTLE LN, WADDY, KY 40076-8902
Transaction Type	Mortgage
Record Updated	Sep 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M1715/93
Date	Sep 5, 2023
Book Page	M1715/93
Instrument	695782

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2053

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of March 27, 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Franklin County
Unified School District	Franklin County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$214.00 (-13.01%)	$67,000 (-) Land $10,000 Building $57,000	$67,000 (-) Land $10,000 Building $57,000
2023	$246.00	$67,000	$67,000

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 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
Flood Insurance Cost	Premium on Record median of 11 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	5 (1997–2015)
Most Recent Claim	Apr 2015 · Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2015 · 2 claims

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	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	FARMDALE WATER DISTRICT serves 8,203 people · EPA ID KY0370128
Water Source	Purchased surface water from FRANKFORT PLANT BOARD
Last State Inspection	Apr 2024
Lead	3 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frankfort Plant Board Fiber	5,000 / 5,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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