362 Waddy Rd, Waddy, KY 40076 Property Records

Shelby County property record for 362 Waddy Rd, Waddy, KY 40076

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,720 sqft · built 2004
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on Record
Last Sale	$164,000 (Jul 2010)
Tax Bill	$1,890 (2025)
Deeds & Mortgages	Dec 2023 Second Mortgage Jan 2017 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`091-00-032A`

Property Details

APN / Parcel Number

Primary APN	`091-00-032A`
Alternative APN	`0037390`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,720 sqft Living Area
Basement Area	1,720 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	217,800 sqft (5 acres)
Garage Type	Mixed
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	125 sqft
Deck Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	0037390
Street Address	362 WADDY RD
City	WADDY
State	KY
Zip	40076-6016
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIAL
Legal Description	AVERY HEIGHTS RUSSELL FARM TR 2
Legal Subdivision	AVERY HEIGHTS
Legal Tract	2
Jurisdiction	SHELBY KY
Township / Civil Division	HARRISONVILLE
Census Block Group	3
Census Block	3005
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
Mailing Address	362 WADDY RD, WADDY, KY 40076-6016
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 14, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PARK COMMUNITY FCU
Jan 10, 2017	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PARK COMMUNITY FCU
Dec 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2010 · Amount on Record
Deed Sale	Jul 20, 2010 · Amount on Record
Prior Sale	Jul 20, 2010 · Amount on Record
Deed Document Number	00D537/687
Deed Book / Page	D537 / 687
Last Transfer Date	Sep 27, 2012
Transfer Doc	00D562/631
Record Updated	Jun 8, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY KY
Property Address	362 WADDY RD, WADDY, KY 40076-6016
Transaction Type	Mortgage
Record Updated	Dec 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1330/575
Date	Dec 14, 2023
Book Page	M1330/575
Instrument	515149

Lender

Name	PARK COMMUNITY FCU
Type	Credit Union
Address	LOUISVILLE, KY 40299

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 5, 2038

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY KY
Property Address	362 WADDY RD, WADDY, KY 40076-6016
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1033/422
Date	Jan 10, 2017
Book Page	M1033/422
Instrument	427420

Lender

Name	PARK COMMUNITY FCU
Type	Credit Union
Address	LOUISVILLE, KY 40299

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Dec 28, 2031

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY KY
Property Address	362 WADDY RD, WADDY, KY 40076-6016
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1257/828
Date	Dec 22, 2021
Book Page	M1257/828
Instrument	480185

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

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	3 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 14 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: Frankfort Plant Board.

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