425 Cook Rd, Waddy, KY 40076 Property Records

Shelby County property record for 425 Cook Rd, Waddy, KY 40076

Property Summary

Property Type	Rural Home
Details	4 bd · 3 ba · 1,591 sqft · built 1993
Lot Size	120 acres (5,265,968 sqft)
Owner	Individual Name on File
Last Sale	$126,000 (Jun 2020)
Tax Bill	$2,679 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Aug 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`084-00-018`

Property Details

APN / Parcel Number

Primary APN	`084-00-018`
Alternative APN	`0037686`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,591 sqft Living Area
Basement Area	1,551 sqft
Family Room	Family Room
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	5,265,968 sqft (120 acres)
Garage Type	Mixed
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	25 sqft
Deck Area	732 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	0037686
Street Address	425 COOK RD
City	WADDY
State	KY
Zip	40076-6122
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	GARLAND FARM TR 5 120.89 ACRES
Legal Subdivision	GARLAND FARM
Legal Tract	5
Jurisdiction	SHELBY KY
Township / Civil Division	HARRISONVILLE
Census Block Group	1
Census Block	1023
Census Tract	40101

Owner

425 Cook Rd, a rural home, is owned and occupied by an individual who bought it in June 2020.

Source: Shelby County records, as of February 13, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	425 COOK RD, WADDY, KY 40076-6122
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2020	Deed of Trust, Mortgage · Commercial Mortgage FARM CREDIT MID AMERICA FLCA
Aug 1, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK LOUISVILLE
Apr 13, 2021	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Jun 16, 2020	Warranty Deed, Transfer MATINGLY FORD TITLE SERVICES LLC, MATTINGLY FORD TTL SVCS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 16, 2020 · Amount on File
Deed Sale	Jun 16, 2020 · Amount on File
Prior Sale	Dec 21, 2012
Deed Document Number	460907
Deed Book / Page	D0665 / 394
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY KY
Property Address	425 COOK RD, WADDY, KY 40076-6122
Transaction Type	Mortgage
Record Updated	Jan 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 COOK RD, WADDY, KY 40076-6122

Mortgage

Document Number	0M1162/150
Date	Jun 16, 2020
Book Page	M1162/150
Instrument	460908

Lender

Name	FARM CREDIT MID AMERICA FLCA
Type	Bank
Address	LOUISVILLE, KY 40232

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jun 1, 2040

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY KY
Property Address	425 COOK RD, WADDY, KY 40076-6122
Transaction Type	Mortgage
Record Updated	Jun 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1088/528
Date	Aug 1, 2018
Book Page	M1088/528
Instrument	442959

Lender

Name	FIFTH THIRD BANK LOUISVILLE
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY KY
Property Address	425 COOK RD, WADDY, KY 40076-6122
Transaction Type	Mortgage
Record Updated	Jun 29, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 COOK RD, WADDY, KY 40076-6122

Mortgage

Document Number	M1217/648
Date	Apr 13, 2021
Book Page	M1217/648
Instrument	471636

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	352 Months
Due	Aug 25, 2050

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY KY
Recording Date	Jun 16, 2020
Property Address	425 COOK RD, WADDY, KY 40076-6122
Document Number	D0665/394
Book / Page	D0665 / 394
Map Reference	CAB 1 SL 129
Instrument Date	May 14, 2020
Instrument	460907
Transaction Type	Transfer
Record Updated	Jun 29, 2021
Title Company	MATINGLY FORD TITLE SERVICES LLC, MATTINGLY FORD TTL SVCS LLC

Transaction

Amount	Amount on Record
Tax	$126.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21 MATTHEW YOUNG RD, 21, WADDY, KY 40076-6117

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	425 COOK RD, WADDY, KY 40076-6122

Tax Assessment & Valuation

The 2025 property tax bill for 425 Cook Rd was $2,679.

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	$2,679.00	$234,180	$234,180
2023	$2,742.00	$234,180	$234,180

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 425 Cook Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 425 Cook Rd is low, with a 0.01% annual chance of 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.

Internet Providers

Source: FCC Broadband Data Collection, as of December 31, 2025

Cell Coverage

4G LTE (outdoors only), no 5G reported

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