261 Grubbs Ln, Waddy, KY 40076 Property Records

Shelby County property record for 261 Grubbs Ln, Waddy, KY 40076

Property Summary

Property Type	Single Family Home
Details	1,292 sqft
Lot Size	8.04 acres (350,222 sqft)
Owner	Individual Name on File
Last Sale	$149,000 (Sep 2017)
Tax Bill	$1,722 (2025)
Deeds & Mortgages	Oct 2018 Mortgage Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`073-00-029A`

Property Details

APN / Parcel Number

Primary APN	`073-00-029A`
Alternative APN	`0048841`

Interior

Stories	2 Stories
Building Area	1,292 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Architectural Style	Log Home
Exterior Material	Logs
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	350,222 sqft (8.04 acres)
Porch	Porch
Porch Area	160 sqft

Location & Zoning

Account Number	0048841
Street Address	261 GRUBBS LN
City	WADDY
State	KY
Zip	40076-6130
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MILES FM GRUBBS LN DIV/TR 1/8.04 ACR
Legal Subdivision	MILES FARM
Legal Tract	18
Jurisdiction	SHELBY KY
Township / Civil Division	HARRISONVILLE
Census Block Group	2
Census Block	2042
Census Tract	40101

Owner

261 Grubbs Ln is owned and occupied by an individual who bought it in September 2017.

Source: Shelby County records, as of February 13, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	261 GRUBBS LN, WADDY, KY 40076-6130
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2018	Deed of Trust, Mortgage · VA Mortgage STEARNS LENDING LLC
Sep 7, 2017	Warranty Deed, Transfer · ARM CITIZENS UNION BANK OF SHELBYVILLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 7, 2017 · Amount on File
Deed Sale	Sep 7, 2017 · Amount on File
Deed Document Number	434002
Deed Book / Page	D0628 / 123
Record Updated	Jun 8, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY KY
Property Address	261 GRUBBS LN, WADDY, KY 40076-6130
Transaction Type	Mortgage
Record Updated	Oct 11, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1095/072
Date	Oct 2, 2018
Book Page	M1095/072
Instrument	444691

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company
Address	SANTA ANA, CA 92707

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2048

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY KY
Recording Date	Sep 7, 2017
Property Address	261 GRUBBS LN, WADDY, KY 40076-6130
Document Number	0D0628/123
Book / Page	D0628 / 123
Map Reference	CAB 4 PG 111
Instrument Date	Sep 6, 2017
Instrument	434002
Transaction Type	Transfer
Record Updated	Jan 21, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$149.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	991 MORNING GLORY LN, 991, SHELBYVILLE, KY 40065-7723

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	261 GRUBBS LN, WADDY, KY 40076-6130

Mortgage

Document Number	0000434003
Date	Sep 7, 2017
Instrument	434003

Lender

Name	CITIZENS UNION BANK OF SHELBYVILLE
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Oct 1, 2027
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	10%
Index	1-Year CMT
Max Rate	10%

Tax Assessment & Valuation

The 2025 property tax bill for 261 Grubbs Ln was $1,722.

Source: Shelby County assessment roll, as of April 1, 2025

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	$1,722.00	$149,000	$149,000
2023	$1,762.00	$149,000	$149,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 261 Grubbs Ln in Zone X, an area of minimal flood risk.

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

Wildfire risk around 261 Grubbs Ln is low, with a 0.01% annual chance of 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 4 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
Verizon Fixed Wireless	25 / 6
All Points Broadband Fixed Wireless	10 / 1

Cell Coverage

5G (outdoors only) and 4G LTE

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