Madison County property record for 256 Waco Hts, Waco, KY 40385
| Property Type | Single Family Home |
|---|---|
| Lot Size | 5.58 acres (243,065 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $406,000 (Aug 2026) |
| Tax Bill | $3,177 (2025) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Oct 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0107-0019-0027 |
| Primary APN | 0107-0019-0027 |
|---|---|
| Alternative APNs |
|
| Lot Area | 243,065 sqft (5.58 acres) |
|---|
| Account Number | 63626 |
|---|---|
| Street Address | 256 WACO HTS |
| City | WACO |
| State | KY |
| Zip | 40385-9764 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WACO HEIGHTS LOT 27 |
| Legal Subdivision | WACO HEIGHTS |
| Legal Lot Number | 27 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | WACO-BYBEE |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 11002 |
Source: Madison County records, as of August 24, 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 | 256 WACO HTS, WACO, KY 40385-9764 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Right of Survivorship |
| Date | Document |
|---|---|
| Aug 11, 2026 | Warranty Deed, Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK |
| Oct 31, 2022 | Deed, Transfer · Conventional Mortgage LOWER LLC |
| May 13, 2022 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 11, 2026 · Amount on Record |
| Deed Sale | Aug 11, 2026 · Amount on Record |
| Deed Document Number | 202614368075 |
| Deed Book / Page | 886 / 797 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Aug 11, 2026 |
| Property Address | 256 WACO HTS, WACO, KY 40385-9764 |
| Document Number | 0014368075 |
| Book / Page | 886 / 797 |
| Instrument Date | Jul 21, 2026 |
| Instrument | 202614368075 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2026 |
| Title Company | RAINBOW TITLE COMPANY, RAINBOW TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $41,006.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 256 WACO HTS, WACO, KY 40385-9764 |
| Investor | Possibly a Property Investor |
| Document Number | 0014368076, |
|---|---|
| Date | Aug 11, 2026 |
| Instrument | 202614368076 |
| Name | GUARDIAN SAVINGS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.5% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Oct 31, 2022 |
| Property Address | 256 WACO HTS, WACO, KY 40385-9764 |
| Document Number | 00D830/745 |
| Book / Page | D830 / 745 |
| Instrument Date | Oct 26, 2022 |
| Instrument | 2014117638 |
| Transaction Type | Transfer |
| Record Updated | Mar 7, 2023 |
| Title Company | BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $337.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3549 OLD KENTUCKY HWY 52, RICHMOND, KY 40475-9008 |
| Name | Verified Name |
|---|---|
| Address | 256 WACO HTS, WACO, KY 40385-9764 |
| Document Number | 2014117641 |
|---|---|
| Date | Oct 31, 2022 |
| Instrument | 2014117641 |
| Name | LOWER LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | May 13, 2022 |
| Property Address | 256 WACO HTS, WACO, KY 40385-9764 |
| Document Number | 00D823/214 |
| Book / Page | D823 / 214 |
| Map Reference | MB P18 PG 45 |
| Instrument Date | May 11, 2022 |
| Instrument | 2014091830 |
| Transaction Type | Transfer |
| Record Updated | Mar 7, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $25.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 127 ESTONIA DR, RICHMOND, KY 40475-9020 |
| Name | Verified Name |
|---|---|
| Address | 3549 OLD KENTUCKY HWY 52, RICHMOND, KY 40475-9008 |
Source: Madison County assessment roll, as of December 9, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,177.00 (-2.78%) | $337,000 (-) | $337,000 (-) |
| 2023 | $3,268.00 | $337,000 | $337,000 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · above 70% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
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 | MADISON CO UTILITIES DISTRICT serves 25,120 people · EPA ID KY0760224 |
|---|---|
| Water Source | Purchased surface water from RICHMOND UTILITIES |
| Last State Inspection | Nov 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | E. coli resolved · Jun 2019 |
|---|---|
| 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 1 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
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