2845 Hickory Rdg Rd, Waddy, KY 40076 Property Records

Shelby County property record for 2845 Hickory Rdg Rd, Waddy, KY 40076

Property Summary

Property Type	Rural Home
Details	3 bd · 1 ba · 1,380 sqft
Lot Size	5.02 acres (218,671 sqft)
Owner	Individual Name on Record
Last Sale	$194,000 (Oct 2017)
Tax Bill	$1,710 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`102-00-012`

Property Details

APN / Parcel Number

Primary APN	`102-00-012`
Alternative APN	`0046449`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,380 sqft Living Area
Family Room	Family Room

Exterior

Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Lot Area	218,671 sqft (5.02 acres)
Garage Type	Mixed
Parking Spaces	1 Parking Space
Pool Type	Above-Ground Pool

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	0046449
Street Address	2845 HICKORY RIDGE RD
City	WADDY
State	KY
Zip	40076-5059
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	HICKORY RIDGE RD
Legal Tract	2
Jurisdiction	SHELBY KY
Township / Civil Division	HARRISONVILLE
Census Block Group	2
Census Block	2058
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	2845 HICKORY RIDGE RD, WADDY, KY 40076-5059
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage KENTUCKY BANK
Oct 12, 2017	Deed, Transfer · Conventional Mortgage KENTUCKY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 12, 2017 · Amount on Record
Deed Sale	Oct 12, 2017 · Amount on Record
Prior Sale	Mar 31, 2016 · Amount on Record
Deed Document Number	435060
Deed Book / Page	D0629 / 507
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY KY
Property Address	2845 HICKORY RIDGE RD, WADDY, KY 40076-5059
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1206/679
Date	Feb 16, 2021
Book Page	M1206/679
Instrument	469549

Lender

Name	KENTUCKY BANK
Type	Bank
Address	PARIS, KY 40362

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2041

October 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	SHELBY KY
Recording Date	Oct 12, 2017
Property Address	2845 HICKORY RIDGE RD, WADDY, KY 40076-5059
Document Number	0D0629/507
Book / Page	D0629 / 507
Map Reference	CAB 4 SL 73
Instrument Date	Oct 6, 2017
Instrument	435060
Transaction Type	Transfer
Record Updated	Aug 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$194.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2845 HICKORY RIDGE RD, 2845, WADDY, KY 40076-5059

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1090 NANCY DR, RICHMOND, KY 40475

Mortgage

Document Number	0000435061
Date	Oct 12, 2017
Instrument	435061

Lender

Name	KENTUCKY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

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	$1,710.00 (-2.29%)	$148,000 (-)	$148,000 (-)
2023	$1,750.00	$148,000	$148,000

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 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

May also be available: Verizon.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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