3081 Waddy Rd, Waddy, KY 40076 Property Records

Shelby County property record for 3081 Waddy Rd, Waddy, KY 40076

Property Summary

Property Type	Single Family Home
Details	2,274 sqft
Owner	Individual Name on File
Last Sale	$75,000 (Feb 2017)
Tax Bill	$890 (2025)
Deeds & Mortgages	Feb 2017 Sale & Mortgage Feb 2013 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`092A-04-006`

Property Details

APN / Parcel Number

Primary APN	`092A-04-006`
Alternative APN	`0044788`

Interior

Stories	2 Stories
Building Area	2,274 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Garage Type	Mixed
Garage Area	704 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	0044788
Street Address	3081 WADDY RD
City	WADDY
State	KY
Zip	40076-6018
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIAL
Legal Description	WADDY HOUSE AND LOT
Jurisdiction	SHELBY KY
Township / Civil Division	HARRISONVILLE
Census Block Group	2
Census Block	2043
Census Tract	40101

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Waddy Historic District listed 1988 · 30 contributing resources · NRIS 88002921

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

3081 Waddy Rd is owned and occupied by an individual who bought it in February 2017.

Source: Shelby County records, as of February 13, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3081 WADDY RD, WADDY, KY 40076-6018
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2017	Special Warranty Deed, Transfer · Conventional Mortgage CENTRA CU
Feb 8, 2013	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 13, 2017 · Amount on File
Deed Sale	Feb 13, 2017 · Amount on File
Prior Sale	Feb 8, 2013 · Amount on File
Deed Document Number	428268
Deed Book / Page	D620 / 381
Record Updated	Jun 8, 2026

February 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	SHELBY KY
Recording Date	Feb 13, 2017
Property Address	3081 WADDY RD, WADDY, KY 40076-6018
Document Number	00D620/381
Book / Page	D620 / 381
Instrument Date	Dec 7, 2016
Instrument	428268
Transaction Type	Transfer
Record Updated	Jan 21, 2022
Title Company	CARRINGTON TITLE SERVICES, CARRINGTON TITLE SERVICES LL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$75.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3081 WADDY RD, WADDY, KY 40076-6018

Mortgage

Document Number	0000428269
Date	Feb 13, 2017
Instrument	428269

Lender

Name	CENTRA CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 1, 2032

February 2013: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY KY
Recording Date	Feb 8, 2013
Property Address	3081 WADDY RD, WADDY, KY 40076-6018
Document Number	00D567/697
Book / Page	D567 / 697
Instrument Date	Feb 6, 2013
Instrument	389192
Transaction Type	Transfer
Record Updated	Feb 16, 2026
Title Company	TITLE SPECIALIST, TITLE SPECIALISTS INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$129.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9238 WADDY RD, WADDY, KY 40076-6105

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3081 WADDY RD, WADDY, KY 40076-6018
Investor	Possibly a Property Investor

Mortgage

Document Number	M908/012
Date	Feb 8, 2013
Book Page	M908/012
Instrument	389193

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	BIRMINGHAM, MI 48009

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2043

Tax Assessment & Valuation

The 2025 property tax bill for 3081 Waddy Rd was $890.

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	$890.00	$75,000	$75,000
2023	$910.00	$75,000	$75,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3081 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

Wildfire risk around 3081 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.

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 36 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

Cell Coverage

5G (outdoors only) and 4G LTE

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