389 McCormack Rd, Waddy, KY 40076 Property Records

Shelby County property record for 389 McCormack Rd, Waddy, KY 40076

Property Summary

Property Type	Single Family Home
Lot Size	0.473 acres (20,609 sqft)
Owner	2 Individual Names on Record
Last Sale	$125,000 (Apr 2019)
Tax Bill	$1,935 (2025)
Deeds & Mortgages	Sep 2019 Mortgage May 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`092A-01-005`

Property Details

APN / Parcel Number

Primary APN	`092A-01-005`
Alternative APN	`0049616`

Exterior

Lot Area	20,609 sqft (0.473 acres)

Location & Zoning

Account Number	0049616
Street Address	389 MCCORMACK RD
City	WADDY
State	KY
Zip	40076-6012
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COUNTRY LANE LOT 12
Legal Subdivision	COUNTRY LANE ESTATES
Legal Lot Number	12
Jurisdiction	SHELBY KY
Township / Civil Division	HARRISONVILLE
Census Block Group	2
Census Block	2043
Census Tract	40101

Owner

Source: Shelby County records, as of February 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	389 MCCORMACK RD, WADDY, KY 40076-6012
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage L&N FCU
May 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage COMMONWEALTH CREDIT UNION
Mar 11, 2021	Deed, Transfer
Apr 5, 2019	Deed, Transfer · Seller Carry-Back ELMER BROWN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 5, 2019 · Amount on Record
Deed Sale	Apr 5, 2019 · Amount on Record
Deed Document Number	2019448805
Deed Book / Page	648 / 687
Record Updated	Jun 8, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY KY
Property Address	389 MCCORMACK RD, WADDY, KY 40076-6012
Transaction Type	Mortgage
Record Updated	Jan 15, 2024
Title Company	KENTUCKIANA TITLE AGENCY LLC, KENTUCKIANA TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0M1126/327
Date	Sep 9, 2019
Book Page	M1126/327
Instrument	453093

Lender

Name	L&N FCU
Type	Credit Union
Address	FRANKFORT, KY 40602

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2049

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY KY
Property Address	389 MCCORMACK RD, WADDY, KY 40076-6012
Transaction Type	Mortgage
Record Updated	Jan 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0M1222/644
Date	May 12, 2021
Book Page	M1222/644
Instrument	472653

Lender

Name	COMMONWEALTH CREDIT UNION
Type	Credit Union
Address	FRANKFORT, KY 40602

Agreement

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

March 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	SHELBY KY
Recording Date	Mar 11, 2021
Property Address	389 MCCORMACK RD, WADDY, KY 40076-6012
Document Number	0D0678/817
Book / Page	D0678 / 817
Map Reference	MB 1 PG 140
Instrument Date	Mar 10, 2021
Instrument	470443
Transaction Type	Transfer
Record Updated	Jan 15, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	389 MCCORMACK RD, WADDY, KY 40076-6012

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 226, NEW CASTLE, KY 40050-0226

April 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	SHELBY KY
Recording Date	Apr 5, 2019
Property Address	389 MCCORMACK RD, WADDY, KY 40076-6012
Document Number	0D0648/687
Book / Page	D0648 / 687
Map Reference	MB 1 PG 140
Instrument Date	Apr 5, 2019
Instrument	448805
Transaction Type	Transfer
Record Updated	Jan 15, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$125.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 119, WADDY, KY 40076-0119

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	389 MCCORMACK RD, WADDY, KY 40076-6012
Investor	Possibly a Property Investor

Mortgage

Document Number	0000448806
Date	Apr 5, 2019
Instrument	448806

Lender

Name	ELMER BROWN
Type	Seller

Agreement

Type	Seller Carry-Back
Amount	Amount Recorded
Term	5 Months
Due	Sep 1, 2019

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	$1,935.00 (-2.27%) Homeowner's exemption	$168,000 (-)	$168,000 (-)
2023	$1,980.00 Homeowner's exemption	$168,000	$168,000

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 63 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: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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