280 Ritter Ln, Waddy, KY 40076 Property Records

Shelby County property record for 280 Ritter Ln, Waddy, KY 40076

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,134 sqft · built 1994
Lot Size	1.43 acres (62,421 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (Nov 2023)
Tax Bill	$1,957 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Aug 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`074-00-007G`

Property Details

APN / Parcel Number

Primary APN	`074-00-007G`
Alternative APNs	`0050371` `0058880`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,134 sqft Living Area
Family Room	Family Room

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	62,421 sqft (1.43 acres)
Garage Type	Mixed
Driveway	Gravel Driveway

Location & Zoning

Account Number	0058880
Street Address	280 RITTER LN
City	WADDY
State	KY
Zip	40076-6157
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	RITTER ROAD FARMS II TR 2 1.433 AC
Legal Subdivision	RITTER ROAD FARMS
Legal Tract	2
Jurisdiction	SHELBY KY
Township / Civil Division	HARRISONVILLE
Census Block Group	1
Census Block	1007
Census Tract	40101

Owner

Source: Shelby County records, as of August 21, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	280 RITTER LN, WADDY, KY 40076-6157
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 27, 2023	Warranty Deed, Transfer · FHA Mortgage STOCKTON MORTGAGE CORP
Aug 21, 2019	Correction Deed
Aug 5, 2019	Deed, Transfer · Conventional Mortgage CITIZENS UNION BANK OF SHELBYVILLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 27, 2023 · Amount on Record
Deed Sale	Nov 27, 2023 · Amount on Record
Prior Sale	Aug 21, 2019 · Amount on Record
Deed Document Number	2023514037
Deed Book / Page	720 / 627
Prior Transfer Date	Aug 20, 2019
Prior Transfer Doc	D0653/796
Record Updated	Oct 29, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY KY
Recording Date	Nov 27, 2023
Property Address	280 RITTER LN, WADDY, KY 40076-6157
Document Number	00D720/627
Book / Page	D720 / 627
Map Reference	CAB 3 SL 36A
Instrument Date	Nov 16, 2023
Instrument	514037
Transaction Type	Transfer
Record Updated	Dec 18, 2023
Title Company	LOUISVILLE TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$170.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2565 BENSON CREEK RD, LAWRENCEBURG, KY 40342-8532

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	280 RITTER LN, WADDY, KY 40076-6157

Mortgage

Document Number	0000514039
Date	Nov 27, 2023
Instrument	514039

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

Mortgage

Document Number	0M1329/328
Date	Nov 27, 2023
Book Page	M1329/328
Instrument	514066

Lender

Name	LEXINGTON-FAYETTE URBAN COUNTY GOV
Type	Government Agency
Address	FRANKFORT, KY 40601

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Dec 1, 2033

August 2019: Correction Deed

Document Type	Correction Deed
Jurisdiction	SHELBY KY
Recording Date	Aug 21, 2019
Property Address	280 RITTER LN, WADDY, KY 40076-6157
Document Number	D0653/796
Book / Page	D0653 / 796
Map Reference	CAB 3 SL 36A
Instrument Date	Aug 20, 2019
Instrument	452585
Record Updated	Sep 14, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	130 ROCKBRIDGE RD, 130, SHELBYVILLE, KY 40065-9301

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	280 RITTER LN, WADDY, KY 40076-6157

August 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	SHELBY KY
Recording Date	Aug 5, 2019
Property Address	280 RITTER LN, WADDY, KY 40076-6157
Document Number	D0653/237
Book / Page	D0653 / 237
Map Reference	CAB 3 SL 36A
Instrument Date	Aug 5, 2019
Instrument	452125
Transaction Type	Transfer
Record Updated	Sep 14, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$58.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	130 ROCKBRIDGE RD, 130, SHELBYVILLE, KY 40065-9301

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	280 RITTER LN, WADDY, KY 40076-6157

Mortgage

Document Number	452126
Date	Aug 5, 2019
Instrument	452126

Lender

Name	CITIZENS UNION BANK OF SHELBYVILLE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

Source: Shelby County assessment roll, as of February 17, 2026

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	$1,957.00 (+179.17%)	$170,000 (+199.3%)	$170,000 (+199.3%)
2023	$701.00 (-0.43%)	$56,800 (-)	$56,800 (-)
2022	$704.00	$56,800	$56,800

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 9 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
All Points Broadband Fixed Wireless	10 / 1

May also be available: Verizon.

Cell Coverage

4G LTE only, no 5G reported

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