Madison County property record for 428 Flint Rd, Waco, KY 40385
| Property Type | Single Family Home |
|---|---|
| Details | 1,107 sqft |
| Lot Size | 0.781 acres (34,054 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $115,000 (Jul 2019) |
| Tax Bill | $1,084 (2025) |
| Deeds & Mortgages | Sep 2026 Sale Sep 2026 Sale + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 118A-0000-0072 |
| Primary APN | 118A-0000-0072 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,107 sqft Living Area |
| Exterior Material | Brick Veneer |
|---|---|
| Lot Area | 34,054 sqft (0.781 acres) |
| Garage Type | Mixed |
| Account Number | 45246 |
|---|---|
| Street Address | 428 FLINT RD |
| City | WACO |
| State | KY |
| Zip | 40385-9704 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DESC |
| Legal Subdivision | FAYE DUNAWAY |
| Jurisdiction | MADISON KY |
| Township / Civil Division | WACO-BYBEE |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 11002 |
Source: Madison County records, as of September 29, 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 | 428 FLINT RD, WACO, KY 40385-9704 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
| Date | Document |
|---|---|
| Sep 17, 2026 | Deed, Transfer NONE LISTED ON DOCUMENT |
| Sep 17, 2026 | Deed, Transfer NONE LISTED ON DOCUMENT |
| Aug 24, 2026 | Deed of Trust, Mortgage · Line of Credit EXCHANGE BANK |
| Feb 14, 2022 | Deed of Trust, Mortgage · Line of Credit PARK COMMUNITY FCU |
| Sep 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PARK COMMUNITY FCU |
| Jul 22, 2019 | Deed, Transfer · ARM PARK COMMUNITY FCU |
| Jan 26, 2018 | Special Warranty Deed, Transfer · Commercial Mortgage PEOPLESEXCHANGEBANK(STANTON KY) |
| May 12, 2017 | Commissioner's Deed, Foreclosure |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 22, 2019 · Amount on Record |
| Deed Sale | Jul 22, 2019 · Amount on Record |
| Prior Sale | Jan 26, 2018 · Amount on Record |
| Deed Document Number | 20192013995856 |
| Deed Book / Page | 776 / 209 |
| Last Transfer Date | Sep 17, 2026 |
| Transfer Doc | 0014376657 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Sep 17, 2026 |
| Property Address | 428 FLINT RD, WACO, KY 40385-9704 |
| Document Number | 0014376656 |
| Book / Page | 888 / 401 |
| Instrument Date | Sep 17, 2026 |
| Instrument | 202614376656 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 428 FLINT RD, WACO, KY 40385-9704 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Sep 17, 2026 |
| Property Address | 428 FLINT RD, WACO, KY 40385-9704 |
| Document Number | 0014376657 |
| Book / Page | 888 / 405 |
| Instrument Date | Sep 17, 2026 |
| Instrument | 202614376657 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 428 FLINT RD, WACO, KY 40385-9704 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Aug 24, 2026 |
| Property Address | 428 FLINT RD, WACO, KY 40385-9704 |
| Document Number | 0014370995 |
| Book / Page | 2495 / 486 |
| Instrument Date | Aug 14, 2026 |
| Instrument | 202614370995 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 428 FLINT RD, WACO, KY 40385-9704 |
| Document Number | 0014370995, |
|---|---|
| Date | Aug 24, 2026 |
| Book Page | 2495/486 |
| Instrument | 202614370995 |
| Name | EXCHANGE BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 14, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 428 FLINT RD, WACO, KY 40385-9704 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 00M2134/67 |
|---|---|
| Date | Feb 14, 2022 |
| Book Page | M2134/67 |
| Instrument | 2014077096 |
| Name | PARK COMMUNITY FCU |
|---|---|
| Type | Credit Union |
| Address | LOUISVILLE, KY 40299 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 25, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 428 FLINT RD, WACO, KY 40385-9704 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2021 |
| Name | Verified Name |
|---|
| Document Number | M2090/608 |
|---|---|
| Date | Sep 9, 2021 |
| Book Page | M2090/608 |
| Instrument | 2014052298 |
| Name | PARK COMMUNITY FCU |
|---|---|
| Type | Credit Union |
| Address | LOUISVILLE, KY 40299 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jul 22, 2019 |
| Property Address | 428 FLINT RD, WACO, KY 40385-9704 |
| Document Number | D00776/209 |
| Book / Page | D00776 / 209 |
| Instrument Date | Jul 19, 2019 |
| Instrument | 2013995856 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $115.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 250 FLINT RD, 250, WACO, KY 40385-9713 |
| Name | Verified Name |
|---|---|
| Address | 428 FLINT RD, WACO, KY 40385-9704 |
| Document Number | 2013995857 |
|---|---|
| Date | Jul 22, 2019 |
| Instrument | 2013995857 |
| Name | PARK COMMUNITY FCU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.37% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Aug 1, 2024 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.25% |
| Max Rate At Change | 5.37% |
| Index | 5-Year CMT |
| Max Rate | 9.37% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jan 26, 2018 |
| Property Address | 428 FLINT RD, WACO, KY 40385-9704 |
| Document Number | D00755/246 |
| Book / Page | D00755 / 246 |
| Instrument Date | Jan 23, 2018 |
| Instrument | 2013970873 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $51.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4801 FREDERICA ST, 4801, OWENSBORO, KY 42301-7441 |
| Name | Verified Name |
|---|---|
| Address | 428 FLINT RD, WACO, KY 40385-9704 |
| Document Number | 2013970874 |
|---|---|
| Date | Jan 26, 2018 |
| Instrument | 2013970874 |
| Name | PEOPLESEXCHANGEBANK(STANTON KY) |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jan 24, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Commissioner's Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | May 12, 2017 |
| Property Address | 428 FLINT RD, WACO, KY 40385-9704 |
| Document Number | D0D744/542 |
| Book / Page | D0D744 / 542 |
| Instrument Date | Apr 20, 2017 |
| Instrument | 2013958574 |
| Transaction Type | Foreclosure |
| Record Updated | Dec 17, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 4801 FREDERICA ST, OWENSBORO, KY 42301-7441 |
Source: Madison County assessment roll, as of December 9, 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 | $1,084.00 (-2.78%) | $115,000 (-) | $115,000 (-) |
| 2023 | $1,115.00 | $115,000 | $115,000 |
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 December 21, 2017 · 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 |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 7 (2021–2025) |
| Most Recent Claim | Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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 | Moderate above 40% of the US · above 70% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.07% 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 | 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 42 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
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