Madison County property record for 433 Gumbottom Rd, Waco, KY 40385
| Property Type | Other |
|---|---|
| Lot Size | 17.4 acres (757,944 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $4,413 (2025) |
| Deeds & Mortgages | May 2023 Mortgage Jul 2023 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 0111-0000-0029-02 |
| Primary APN | 0111-0000-0029-02 |
|---|---|
| Alternative APNs |
|
| Lot Area | 757,944 sqft (17.4 acres) |
|---|
| Account Number | 50702 |
|---|---|
| Street Address | 433 GUMBOTTOM RD |
| City | WACO |
| State | KY |
| Zip | 40385-9548 |
| Property Category | Other |
| Property Type | Other > Miscellaneous |
| Legal Description | LOT 2 (17.40 ACRES) |
| Legal Lot Number | 2 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 433 GUMBOTTOM RD, WACO, KY 40385-9548 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 26, 2023 | Deed of Trust, Mortgage · Commercial Mortgage CITIZENS BANK |
| Jul 7, 2023 | Deed of Trust, Mortgage · Construction Mortgage CITIZENS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Deed Document Number | 0000824729 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 433 GUMBOTTOM RD, WACO, KY 40385-9548 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2024 |
| Name | Verified Name |
|---|---|
| Address | 433 GUMBOTTOM RD, WACO, KY 40385-9548 |
| Document Number | 0M2236/239 |
|---|---|
| Date | May 26, 2023 |
| Book Page | M2236/239 |
| Instrument | 2014147397 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Address | MOUNT VERNON, KY 40456 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 22, 2053 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 433 GUMBOTTOM RD, WACO, KY 40385-9548 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2024 |
| Name | Verified Name |
|---|---|
| Address | 220 IVA DR, RICHMOND, KY 40475-8275 |
| Document Number | 0M2245/105 |
|---|---|
| Date | Jul 7, 2023 |
| Book Page | M2245/105 |
| Instrument | 2014155255 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Address | BEREA, KY 40403 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 11 Months |
| Due | Jun 27, 2024 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $4,413.00 Additional exemption filed | $468,000 | $468,000 |
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 48% of the US · above 74% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.1% 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 12 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 | 100 / 20 |
May also be available: AT&T, Spectrum, T-Mobile.
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