2783 Waddy Rd, Waddy, KY 40076 Property Records

Shelby County property record for 2783 Waddy Rd, Waddy, KY 40076

Property Summary

Property Type	Single Family Home
Details	1,708 sqft
Lot Size	0.858 acres (37,418 sqft)
Owner	2 Individual Names on Record
Last Sale	$164,000 (Jul 2022)
Tax Bill	$1,890 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Mar 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`092A-02-002`

Property Details

APN / Parcel Number

Primary APN	`092A-02-002`
Alternative APNs	`0055761` `0056267`

Interior

Stories	2 Stories
Building Area	1,708 sqft Living Area

Exterior

Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	37,418 sqft (0.858 acres)
Porch	Porch
Porch Area	169 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Account Number	0056267
Street Address	2783 WADDY RD
City	WADDY
State	KY
Zip	40076-5027
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RAY & VIOLA RICHARDSON LOT 1
Legal Subdivision	RAY VIOLA RICHARDSON
Legal Lot Number	1
Jurisdiction	SHELBY KY
Township / Civil Division	HARRISONVILLE
Census Block Group	2
Census Block	2044
Census Tract	40101

Owner

Source: Shelby County records, as of February 13, 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
Co-owner	2 Co-owners on Record
Mailing Address	2783 WADDY RD, WADDY, KY 40076-5027
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2022	Warranty Deed, Transfer · FHA Mortgage RUOFF MORTGAGE COMPANY INC
Mar 21, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	4 Names on Deed
Last Sale	Jul 6, 2022 · Amount on Record
Deed Sale	Jul 6, 2022 · Amount on Record
Prior Sale	Mar 21, 2022 · Amount on Record
Deed Document Number	485621
Deed Book / Page	D701 / 647
Record Updated	Jun 8, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY KY
Recording Date	Jul 6, 2022
Property Address	2783 WADDY RD, WADDY, KY 40076-5027
Document Number	00D701/647
Book / Page	D701 / 647
Map Reference	CAB 8 SL 47
Instrument Date	Jun 30, 2022
Instrument	485621
Transaction Type	Transfer
Record Updated	Jul 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$164.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	88 BRUNERSTOWN RD, 88, SHELBYVILLE, KY 40065-7102

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2783 WADDY RD, WADDY, KY 40076-5027

Mortgage

Document Number	0000485622
Date	Jul 6, 2022
Instrument	485622

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY KY
Recording Date	Mar 21, 2022
Property Address	2783 WADDY RD, WADDY, KY 40076-5027
Document Number	000D697/92
Book / Page	D697 / 92
Map Reference	CAB 8 SL 47
Instrument Date	Mar 11, 2022
Instrument	482560
Transaction Type	Transfer
Record Updated	Apr 6, 2022

Transaction

Amount	Amount Recorded
Tax	$125.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3173 WADDY RD, 3173, WADDY, KY 40076-6061

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	88 BRUNERSTOWN RD, SHELBYVILLE, KY 40065-7102

Tax Assessment & Valuation

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	$1,890.00 (-2.28%)	$164,000 (-)	$164,000 (-)
2023	$1,934.00	$164,000	$164,000

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 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.

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