Madison County property record for 321 Waco Hts, Waco, KY 40385
| Property Type | Single Family Home |
|---|---|
| Details | 1,400 sqft |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on File |
| Last Sale | $20,000 (Apr 2005) |
| Tax Bill | $1,471 (2025) |
| Deeds & Mortgages | Feb 2026 Line of Credit Nov 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0107-0019-0049 |
| Primary APN | 0107-0019-0049 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,400 sqft Living Area |
| Exterior Material | Brick Veneer |
|---|---|
| Lot Area | 43,560 sqft (1 acres) |
| Garage Type | Attached |
| Garage Area | 588 sqft |
| Parking Spaces | 2 Parking Spaces |
| Account Number | 58094 |
|---|---|
| Street Address | 321 WACO HTS |
| City | WACO |
| State | KY |
| Zip | 40385-9765 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WACO HEIGHTS LOT 49 (1.00 ACRE) |
| Legal Subdivision | WACO HEIGHTS |
| Legal Lot Number | 49 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | WACO-BYBEE |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 11002 |
321 Waco Hts is owned and occupied by an individual who bought it in April 2005.
Source: Madison County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 321 WACO HTS, WACO, KY 40385-9765 |
| 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.
| Date | Document |
|---|---|
| Feb 11, 2026 | Deed of Trust, Mortgage · Line of Credit COMMONWEALTH CREDIT UNION |
| Nov 4, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Feb 7, 2019 | Deed of Trust, Mortgage · Conventional Mortgage STATE FARM BANK FSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 4, 2005 · Amount on File |
| Deed Sale | Apr 4, 2005 · Amount on File |
| Prior Sale | Mar 14, 2005 · Amount on File |
| Deed Document Number | 0000587757 |
| Deed Book / Page | 587 / 757 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 321 WACO HTS, WACO, KY 40385-9765 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0M2444/385 |
|---|---|
| Date | Feb 11, 2026 |
| Book Page | M2444/385 |
| Instrument | 2014317771 |
| Name | COMMONWEALTH CREDIT UNION |
|---|---|
| Type | Credit Union |
| Address | FRANKFORT, KY 40602 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 321 WACO HTS, WACO, KY 40385-9765 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2021 |
| Name | Verified Name |
|---|
| Document Number | M2108/1 |
|---|---|
| Date | Nov 4, 2021 |
| Book Page | M2108/1 |
| Instrument | 2014062556 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 321 WACO HTS, WACO, KY 40385-9765 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | M01846/121 |
|---|---|
| Date | Feb 7, 2019 |
| Book Page | M01846/121 |
| Instrument | 2013988083 |
| Name | STATE FARM BANK FSB |
|---|---|
| Type | Bank |
| Address | EARTH CITY, MO 63045 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2049 |
The 2025 property tax bill for 321 Waco Hts was $1,471 with an additional exemption.
Source: Madison County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,471.00 Additional exemption filed | $156,000 | $156,000 |
| 2023 | $1,513.00 | $156,000 | $156,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 321 Waco Hts in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective December 21, 2017
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 321 Waco Hts is low, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · above 68% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.06% 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 | MADISON CO UTILITIES DISTRICT serves 25,120 people · EPA ID KY0760224 |
|---|---|
| Water Source | Purchased surface water from RICHMOND UTILITIES |
| Last State Inspection | Nov 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | E. coli resolved · Jun 2019 |
|---|---|
| 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 70 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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