Madison County property record for 399 Cedar Cliff Rd, Waco, KY 40385
| Property Type | Other |
|---|---|
| Lot Size | 3.11 acres (135,907 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $712 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Mar 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 0111-0000-0046-B1 |
| Primary APN | 0111-0000-0046-B1 |
|---|---|
| Alternative APNs |
|
| Lot Area | 135,907 sqft (3.11 acres) |
|---|
| Account Number | 41065 |
|---|---|
| Street Address | 399 CEDAR CLIFF RD |
| City | WACO |
| State | KY |
| Zip | 40385-9558 |
| Property Category | Other |
| Property Type | Other > Miscellaneous |
| Legal Description | 3.12 ACRES |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 11103 |
399 Cedar Cliff Rd is owned and occupied by two individuals.
Source: Madison County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 399 CEDAR CLIFF RD, WACO, KY 40385-9558 |
| 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 |
|---|---|
| Apr 6, 2021 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY TRUST BANK INC |
| Mar 14, 2022 | Deed of Trust, Mortgage · Line of Credit COMMUNITY TRUST BANK INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Deed Document Number | 0000686184 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 399 CEDAR CLIFF RD, WACO, KY 40385-9558 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0M2040/210 |
|---|---|
| Date | Apr 6, 2021 |
| Book Page | M2040/210 |
| Instrument | 2014032906 |
| Name | COMMUNITY TRUST BANK INC |
|---|---|
| Type | Bank |
| Address | PIKEVILLE, KY 41502 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 399 CEDAR CLIFF RD, WACO, KY 40385-9558 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2024 |
| Name | Verified Name |
|---|---|
| Address | 399 CEDAR CLIFF RD, WACO, KY 40385-9558 |
| Document Number | 0M2141/670 |
|---|---|
| Date | Mar 14, 2022 |
| Book Page | M2141/670 |
| Instrument | 2014081413 |
| Name | COMMUNITY TRUST BANK INC |
|---|---|
| Type | Bank |
| Address | RICHMOND, KY 40475 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 239 Months |
| Due | Feb 16, 2042 |
The 2025 property tax bill for 399 Cedar Cliff Rd was $712 with a homeowner's 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 | $712.00 Homeowner's exemption | $124,700 | $124,700 |
| 2023 | $759.00 Homeowner's exemption | $124,700 | $124,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 399 Cedar Cliff Rd 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 399 Cedar Cliff Rd is moderate, ranking above 40% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · above 70% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 17 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| Windstream DSL | 25 / 3 |
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