Union County property record for 417 E Waverly St, Morganfield, KY 42437
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 400 sqft |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $158,500 (Apr 2026) |
| Tax Bill | $1,182 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Apr 2026 Sale & Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M3-32-19 |
| Primary APN | M3-32-19 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 400 sqft Adjusted Area |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 13,504 sqft (0.31 acres) |
| Garage Area | 400 sqft |
| Driveway | Asphalt Driveway |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 417 E WAVERLY ST |
|---|---|
| City | MORGANFIELD |
| State | KY |
| Zip | 42437-1105 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 417 E WAVERLY ST |
| Jurisdiction | UNION KY |
| Township / Civil Division | MORGANFIELD |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 950201 |
Source: Union County records, as of July 21, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 510 STATE ROUTE 360, MORGANFIELD, KY 42437-5665 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Apr 20, 2026 | Deed of Trust, Mortgage · FHA Mortgage TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES (RE |
| Apr 20, 2026 | Deed, Transfer · FHA Mortgage TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES (RECO |
| Apr 20, 2026 | Deed, Transfer · FHA Mortgage TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Jun 6, 2023 | Deed of Trust, Mortgage SECRETARY OF HOUSING URBAN & DEVELOPMENT |
| Sep 1, 2022 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Feb 25, 2022 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Sep 1, 2021 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 20, 2026 · Amount on File |
| Deed Sale | Apr 20, 2026 · Amount on File |
| Prior Sale | Jan 18, 2024 · Amount on File |
| Deed Document Number | 2026399664 |
| Deed Book / Page | 410 / 572 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION KY |
| Recording Date | Apr 20, 2026 |
| Property Address | 417 E WAVERLY ST, MORGANFIELD, KY 42437-1105 |
| Document Number | 0000399666 |
| Book / Page | 499 / 420 |
| Instrument Date | Apr 16, 2026 |
| Instrument | 2026399666 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES (RE |
| Name | Verified Name |
|---|---|
| Address | 510 STATE ROUTE 360, MORGANFIELD, KY 42437-5665 |
| Document Number | 0000399666, |
|---|---|
| Date | Apr 20, 2026 |
| Book Page | 499/420 |
| Instrument | 2026399666 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | UNION KY |
| Recording Date | Apr 20, 2026 |
| Property Address | 417 E WAVERLY ST, MORGANFIELD, KY 42437-1105 |
| Document Number | 0000399664 |
| Book / Page | 410 / 572 |
| Instrument Date | Apr 16, 2026 |
| Instrument | 2026.399664 |
| Transaction Type | Transfer |
| Record Updated | May 4, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES (RECO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $16,008.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 510 STATE ROUTE 360, MORGANFIELD, KY 42437-5665 |
| Document Number | 0000399664, |
|---|---|
| Date | Apr 20, 2026 |
| Book Page | 499/420 |
| Instrument | 2026.399664 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | UNION KY |
| Recording Date | Apr 20, 2026 |
| Property Address | 417 E WAVERLY ST, MORGANFIELD, KY 42437-1105 |
| Document Number | 00D410/572 |
| Book / Page | 410 / 572 |
| Instrument Date | Apr 16, 2026 |
| Instrument | 2026.399664 |
| Transaction Type | Transfer |
| Record Updated | May 22, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $16,008.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 510 STATE ROUTE 360, MORGANFIELD, KY 42437-5665 |
| Document Number | 0000399664, |
|---|---|
| Date | Apr 20, 2026 |
| Book Page | 499/420 |
| Instrument | 2026.399664 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION KY |
| Property Address | 417 E WAVERLY ST, MORGANFIELD, KY 42437-1105 |
| Transaction Type | Mortgage |
| Record Updated | Jun 27, 2023 |
| Name | Verified Name |
|---|
| Document Number | 000M479/17 |
|---|---|
| Date | Jun 6, 2023 |
| Book Page | M479/17 |
| Name | SECRETARY OF HOUSING URBAN & DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jun 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION KY |
| Property Address | 417 E WAVERLY ST, MORGANFIELD, KY 42437-1105 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 000473/682 |
|---|---|
| Date | Sep 1, 2022 |
| Book Page | 473/682 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 481 Months |
| Due | Oct 1, 2062 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION KY |
| Property Address | 417 E WAVERLY ST, MORGANFIELD, KY 42437-1105 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2022 |
| Name | Verified Name |
|---|
| Document Number | 000467/706 |
|---|---|
| Date | Feb 25, 2022 |
| Book Page | 467/706 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 265 Months |
| Due | Mar 1, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION KY |
| Property Address | 417 E WAVERLY ST, MORGANFIELD, KY 42437-1105 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2021 |
| Name | Verified Name |
|---|
| Document Number | 462/306 |
|---|---|
| Date | Sep 1, 2021 |
| Book Page | 462/306 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 277 Months |
| Due | Oct 1, 2044 |
Source: Union County assessment roll, as of November 18, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Union County |
| Municipality | Morganfield City |
| Unified School District | Union County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,182.00 (+40.38%) | $115,000 (+41.1%) Land $10,000 Building $105,000 | $115,000 (+41.1%) Land $10,000 Building $105,000 |
| 2023 | $842.00 | $81,500 Land $5,000 Building $76,500 | $81,500 Land $5,000 Building $76,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective October 22, 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 97.3% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MORGANFIELD WATER WORKS serves 5,170 people · EPA ID KY1130293 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Apr 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
Listed by EPA as a serious violator.
| Water Quality | Total trihalomethanes not recorded as resolved · Apr 2026 E. coli resolved · Oct 2022 |
|---|---|
| Treatment and Procedure | Organic carbon removal Apr 2026 |
| 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 97 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 |
| Starlink Satellite | 280 / 30 |
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