2188 Ditto Rd, Waddy, KY 40076 Property Records

Shelby County property record for 2188 Ditto Rd, Waddy, KY 40076

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,771 sqft · built 2004
Lot Size	15.1 acres (657,887 sqft)
Owner	2 Individual Names on Record
Last Sale	$224,500 (Sep 2008)
Tax Bill	$2,379 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Dec 2010 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`093-00-018R`

Property Details

APN / Parcel Number

Primary APN	`093-00-018R`
Alternative APN	`0032283`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,771 sqft Living Area
1st Floor Area	1,771 sqft
Basement Area	1,771 sqft
Unfinished Basement	1,771 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Brick Veneer
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	657,887 sqft (15.1 acres)
Driveway	Gravel Driveway

Exterior Amenities

Pool Type	Above-Ground Pool
Porch	Slab
Porch Area	80 sqft
Deck Area	864 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	0032283
Street Address	2188 DITTO RD
City	WADDY
State	KY
Zip	40076-6096
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RESIDENTIA
Legal Description	HITER FARM #1 DIV TR 5A AMD TR 2/5
Legal Subdivision	AMD HITER FM #1
Legal Tract	2,5A
Legal Lot Number	5A
Jurisdiction	SHELBY KY
Township / Civil Division	HARRISONVILLE
Census Block Group	2
Census Block	2047
Census Tract	40101

Owner

Source: Shelby County records, as of March 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2188 DITTO RD, WADDY, KY 40076-6096
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2026	Deed of Trust, Mortgage · FHA Mortgage MORTGAGEPROS LLC
Dec 17, 2010	Deed of Trust, Mortgage · USDA Mortgage USDA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 11, 2008 · Amount on Record
Deed Sale	Sep 11, 2008 · Amount on Record
Deed Document Number	2008344689
Deed Book / Page	516 / 529
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY KY
Property Address	2188 DITTO RD, WADDY, KY 40076-6096
Transaction Type	Mortgage
Record Updated	Mar 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2188 DITTO RD, WADDY, KY 40076-6096

Mortgage

Document Number	0M1409/211
Date	Mar 9, 2026
Book Page	M1409/211
Instrument	582053

Lender

Name	MORTGAGEPROS LLC
Type	Mortgage Company
Address	880 W LONG LAKE RD STE 300, TROY, MI 48098

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2056

December 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY KY
Property Address	2188 DITTO RD, WADDY, KY 40076-6096
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M843/147
Date	Dec 17, 2010
Book Page	M843/147
Instrument	00367559

Lender

Name	USDA
Type	Government Agency
Address	SHELBYVILLE, KY 40065

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	82 Months
Due	Oct 1, 2017

Interest

Rate	1.75%

Tax Assessment & Valuation

Source: Shelby County assessment roll, as of February 17, 2026

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	$2,379.00 (-2.3%)	$207,500 (-)	$207,500 (-)
2023	$2,435.00	$207,500	$207,500

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Bluegrass Fiber Fixed Wireless	50 / 10

May also be available: All Points Broadband, T-Mobile.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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