Shelby County property record for 2686 Waddy Rd, Waddy, KY 40076
| Property Type | Single Family Home |
|---|---|
| Owner | 2 Individual Names on File |
| Tax Bill | $624 (2025) |
| Deeds & Mortgages | May 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 092-00-012 |
| Primary APN | 092-00-012 |
|---|---|
| Alternative APN |
|
| Account Number | 0013079 |
|---|---|
| Street Address | 2686 WADDY RD |
| City | WADDY |
| State | KY |
| Zip | 40076-6014 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WADDY ROAD 2686 |
| Jurisdiction | SHELBY KY |
| Township / Civil Division | HARRISONVILLE |
| Census Block Group | 2 |
| Census Block | 2051 |
| Census Tract | 40101 |
2686 Waddy Rd is owned and occupied by two individuals.
Source: Shelby County records, as of February 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2686 WADDY RD, WADDY, KY 40076-6014 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY KY |
| Property Address | 2686 WADDY RD, WADDY, KY 40076-6014 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0M1113/452 |
|---|---|
| Date | May 15, 2019 |
| Book Page | M1113/452 |
| Instrument | 449789 |
| Name | COMMONWEALTH BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | SHELBYVILLE, KY 40065 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | May 3, 2029 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 2686 Waddy Rd was $624 with a homeowner's exemption.
Source: Shelby County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Shelby County |
| Unified School District | Shelby County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $624.00 Homeowner's exemption | $100,400 | $100,400 |
| 2023 | $669.00 Homeowner's exemption | $100,400 | $100,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2686 Waddy Rd 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 risk around 2686 Waddy Rd 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.
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 |
| 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.
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.
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