2636 Dreyfus Rd, Waco, KY 40385 Property Records

Madison County property record for 2636 Dreyfus Rd, Waco, KY 40385

Property Summary

Property Type	Single Family Home
Lot Size	9.38 acres (408,593 sqft)
Owner	Individual Name on Record
Last Sale	$56,900 (Aug 2017)
Tax Bill	$943 (2025)
Deeds & Mortgages	Jun 2018 Mortgage May 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0123-0000-0026-J`

Property Details

APN / Parcel Number

Primary APN	`0123-0000-0026-J`
Alternative APNs	`111749` `74886` `40931`

Exterior

Lot Area	408,593 sqft (9.38 acres)

Location & Zoning

Account Number	40931
Street Address	2636 DREYFUS RD
City	WACO
State	KY
Zip	40385-9519
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 9 (9.38 ACRES)
Legal Subdivision	PERRY JEWELL
Legal Tract	9
Legal Lot Number	TR 9
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	1
Census Block	1024
Census Tract	11103

Owner

Source: Madison County records, as of July 13, 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	2636 DREYFUS RD, WACO, KY 40385-9519
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2018	Deed of Trust, Mortgage · Commercial Mortgage COMMUNITY TRUST BANK INC
May 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY TRUST BANK INC
Oct 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY TRUST BANK INC
Aug 4, 2017	Deed, Transfer · ARM COMMUNITY TRUST BANK INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 4, 2017 · Amount on Record
Deed Sale	Aug 4, 2017 · Amount on Record
Prior Sale	Mar 14, 2005 · Amount on Record
Deed Document Number	20172013962624
Deed Book / Page	00748 / 379
Record Updated	Sep 20, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	2636 DREYFUS RD, WACO, KY 40385-9519
Transaction Type	Mortgage
Record Updated	Feb 17, 2023
Title Company	COMMUNITY ABSTRACT AGENCY INC, COMMUNITY TRUST BANK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01808/737
Date	Jun 14, 2018
Book Page	M01808/737
Instrument	2013977239

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank
Address	BEREA, KY 40403

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	239 Months
Due	May 29, 2038

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	2636 DREYFUS RD, WACO, KY 40385-9519
Transaction Type	Mortgage
Record Updated	Feb 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01937/697
Date	May 11, 2020
Book Page	M01937/697
Instrument	2014011690

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank
Address	PIKEVILLE, KY 41502

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2027
Change Frequency	Annually
Min Rate At Change	4.37%
Max Rate At Change	6.87%
Index	1-Year CMT
Max Rate	10.8%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	2636 DREYFUS RD, WACO, KY 40385-9519
Transaction Type	Mortgage
Record Updated	Feb 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01895/036
Date	Oct 16, 2019
Book Page	M01895/036
Instrument	2014000788

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank
Address	PIKEVILLE, KY 41502

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Oct 1, 2029

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2026
Change Frequency	Annually
Min Rate At Change	4.37%
Max Rate At Change	7.25%
Index	1-Year CMT
Max Rate	11.2%

August 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Aug 4, 2017
Property Address	2636 DREYFUS RD, WACO, KY 40385-9519
Document Number	D00748/379
Book / Page	D00748 / 379
Map Reference	CAB11 SL175
Instrument Date	Jul 14, 2017
Instrument	2013962624
Transaction Type	Transfer
Record Updated	Feb 17, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$57.00
Amount Accuracy	Not Readable on Document
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 336, BEREA, KY 40403-0336

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2636 DREYFUS RD, WACO, KY 40385-9519

Mortgage

Document Number	2013962625
Date	Aug 4, 2017
Instrument	2013962625

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	120 Months
Due	Aug 1, 2027

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Aug 1, 2024
Change Frequency	Annually
Min Rate At Change	4.37%
Max Rate At Change	7.25%
Index	1-Year CMT
Max Rate	11.2%

Tax Assessment & Valuation

Source: Madison County assessment roll, as of December 9, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$943.00 (+62.59%)	$95,000 (+66.96%)	$95,000 (+66.96%)
2023	$580.00	$56,900	$56,900

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
Community Rating System	Class 9 (5% premium discount)
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	Moderate above 42% of the US · above 73% of Kentucky
Wildfire Likelihood	0.07% 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	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

Violations Reported to EPA

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.

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)
Starlink Satellite	280 / 30
Windstream DSL	200 / 20

May also be available: Verizon.

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