Madison County property record for 431 Cedar Cliff Rd, Waco, KY 40385
| Property Type | Single Family Home |
|---|---|
| Lot Size | 1.01 acres (43,996 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $20,000 (Jan 2020) |
| Tax Bill | $1,159 (2025) |
| Deeds & Mortgages | Jan 2020 Sale Jun 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0122-0000-0011-C |
| Primary APN | 0122-0000-0011-C |
|---|---|
| Alternative APNs |
|
| Lot Area | 43,996 sqft (1.01 acres) |
|---|
| Account Number | 76437 |
|---|---|
| Street Address | 431 CEDAR CLIFF RD |
| City | WACO |
| State | KY |
| Zip | 40385-9559 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 1 (1.01 ACRES) |
| Legal Lot Number | 1 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 11103 |
Source: Madison County records, as of December 8, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 431 CEDAR CLIFF RD, WACO, KY 40385-9559 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 27, 2020 | Warranty Deed, Transfer |
| Jun 11, 2019 | Warranty Deed, Transfer · Commercial Mortgage CITIZENS GUARANTY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 27, 2020 · Amount on Record |
| Deed Sale | Jan 27, 2020 · Amount on Record |
| Prior Sale | Jun 11, 2019 · Amount on Record |
| Deed Document Number | 2014006073 |
| Deed Book / Page | D00783 / 668 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jan 27, 2020 |
| Property Address | 431 CEDAR CLIFF RD, WACO, KY 40385-9559 |
| Document Number | D00783/668 |
| Book / Page | D00783 / 668 |
| Map Reference | MB 28 PG 311 |
| Instrument Date | Jan 17, 2020 |
| Instrument | 2014006073 |
| Transaction Type | Transfer |
| Record Updated | Dec 31, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $20.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 205 GLADES ST, 205, BEREA, KY 40403-1251 |
| Name | Verified Name |
|---|---|
| Address | 871 DREYFUS RD, BEREA, KY 40403-9619 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jun 11, 2019 |
| Property Address | 431 CEDAR CLIFF RD, WACO, KY 40385-9559 |
| Document Number | D00774/500 |
| Book / Page | D00774 / 500 |
| Instrument Date | May 31, 2019 |
| Instrument | 2013993831 |
| Transaction Type | Transfer |
| Record Updated | Dec 31, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $28.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 235 OWSLEY FORK RD, 235, BEREA, KY 40403-9663 |
| Name | Verified Name |
|---|---|
| Address | 431 CEDAR CLIFF RD, WACO, KY 40385-9559 |
| Document Number | 2013993832 |
|---|---|
| Date | Jun 11, 2019 |
| Instrument | 2013993832 |
| Name | CITIZENS GUARANTY BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | May 31, 2020 |
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 | $1,159.00 (-2.85%) Additional exemption filed | $123,000 (-) | $123,000 (-) |
| 2023 | $1,193.00 | $123,000 | $123,000 |
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
| 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.
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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