243 McCormack Rd, Waddy, KY 40076 Property Records

Shelby County property record for 243 McCormack Rd, Waddy, KY 40076

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,000 sqft · built 2002
Lot Size	0.438 acres (19,088 sqft)
Owner	2 Individual Names on Record
Last Sale	$255,000 (Jun 2023)
Tax Bill	$2,361 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Aug 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`092A-01-011B`

Property Details

APN / Parcel Number

Primary APN	`092A-01-011B`
Alternative APNs	`0019102` `0058122`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,000 sqft Living Area

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Brick Veneer
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	19,088 sqft (0.438 acres)
Garage Type	Mixed
Garage Area	1,088 sqft
Driveway	Asphalt Driveway
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	96 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0058122
Street Address	243 MCCORMACK RD
City	WADDY
State	KY
Zip	40076-5021
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COUNTRY LANE EST. LOT 5
Legal Subdivision	COUNTRY LANE EST
Legal Lot Number	5
Jurisdiction	SHELBY KY
Township / Civil Division	HARRISONVILLE
Census Block Group	2
Census Block	2043
Census Tract	40101

Owner

Source: Shelby County records, as of May 21, 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	243 MCCORMACK RD, WADDY, KY 40076-5021
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2023	Deed, Transfer · VA Mortgage WESBANCO BANK INC
Aug 17, 2022	Deed of Trust, Mortgage · Line of Credit STOCK YARDS BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 21, 2023 · Amount on Record
Deed Sale	Jun 21, 2023 · Amount on Record
Deed Document Number	2023502853
Deed Book / Page	715 / 435
Record Updated	Sep 20, 2026

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	SHELBY KY
Recording Date	Jun 21, 2023
Property Address	243 MCCORMACK RD, WADDY, KY 40076-5021
Document Number	00D715/435
Book / Page	D715 / 435
Map Reference	MB 2 PG 187
Instrument Date	Jun 16, 2023
Instrument	502853
Transaction Type	Transfer
Record Updated	Jul 20, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$255.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	511 FAIRVIEW RD, COLUMBIA, KY 42728-9040

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	243 MCCORMACK RD, WADDY, KY 40076-5021

Mortgage

Document Number	0000502856
Date	Jun 21, 2023
Instrument	502856

Lender

Name	WESBANCO BANK INC
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY KY
Property Address	243 MCCORMACK RD, WADDY, KY 40076-5021
Transaction Type	Mortgage
Record Updated	Sep 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	243 MCCORMACK RD, WADDY, KY 40076-5021

Mortgage

Document Number	0M1287/109
Date	Aug 17, 2022
Book Page	M1287/109
Instrument	486840

Lender

Name	STOCK YARDS BANK & TRUST CO
Type	Bank
Address	LOUISVILLE, KY 40232

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$2,361.00 (+26.05%) Homeowner's exemption	$255,000 (+24.39%)	$255,000 (+24.39%)
2023	$1,873.00 (+136.19%) Homeowner's exemption	$205,000 (+95.24%)	$205,000 (+95.24%)
2022	$793.00 Homeowner's exemption	$105,000	$105,000

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 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.

Drinking Water

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

Water System	US 60 WATER DISTRICT serves 7,892 people · EPA ID KY1060436
Water Source	Purchased surface water from several systems
Last State Inspection	Mar 2024
Lead	1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 63 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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