Shelby County property record for 4591 Back Creek Rd, Waddy, KY 40076
| Property Type | Farm - Irrigated or Dry |
|---|---|
| Lot Size | 7.34 acres (319,730 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $4,137 (2025) |
| Deeds & Mortgages | Feb 2024 Line of Credit Dec 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 084-00-012G |
| Primary APN | 084-00-012G |
|---|---|
| Alternative APN |
|
| Lot Area | 319,730 sqft (7.34 acres) |
|---|
| Account Number | 0054110 |
|---|---|
| Street Address | 4591 BACK CREEK RD |
| City | WADDY |
| State | KY |
| Zip | 40076-5137 |
| Property Category | Agriculture or Farming |
| Property Type | Agriculture / Farming > Farm - Irrigated or Dry |
| Local Zoning Code | RESIDENTIAL |
| Legal Description | FOREST & CATHERINE ROBINSON DIV TR 5 |
| Legal Subdivision | BACK CREEK ROAD |
| Legal Tract | 5 |
| Jurisdiction | SHELBY KY |
| Township / Civil Division | HARRISONVILLE |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 40101 |
Source: Shelby County records, as of February 13, 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 Record |
|---|---|
| Mailing Address | 4591 BACK CREEK RD, WADDY, KY 40076-5137 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 26, 2024 | Deed of Trust, Mortgage · Line of Credit THE PEOPLES BANK |
| Dec 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage THE PEOPLES BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY KY |
| Property Address | 4591 BACK CREEK RD, WADDY, KY 40076-5137 |
| Transaction Type | Mortgage |
| Record Updated | Mar 11, 2024 |
| Name | Verified Name |
|---|---|
| Address | 4591 BACK CREEK RD, WADDY, KY 40076-5137 |
| Document Number | 0M1335/611 |
|---|---|
| Date | Feb 26, 2024 |
| Book Page | M1335/611 |
| Instrument | 519048 |
| Name | THE PEOPLES BANK |
|---|---|
| Type | Bank |
| Address | TAYLORSVILLE, KY 40071 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Feb 16, 2034 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHELBY KY |
| Property Address | 4591 BACK CREEK RD, WADDY, KY 40076-5137 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2023 |
| Name | Verified Name |
|---|
| Document Number | 00M1259/15 |
|---|---|
| Date | Dec 29, 2021 |
| Book Page | M1259/15 |
| Instrument | 480380 |
| Name | THE PEOPLES BANK |
|---|---|
| Type | Bank |
| Address | TAYLORSVILLE, KY 40071 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2052 |
Source: Shelby County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Shelby County |
| Unified School District | Shelby County School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $4,137.00 (-2.31%) | $364,000 (-) |
| 2023 | $4,235.00 | $364,000 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | US 60 WATER DISTRICT serves 7,892 people · EPA ID KY1060436 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Mar 2024 |
| Lead | 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Bluegrass Fiber Fixed Wireless | 50 / 10 |
| All Points Broadband Fixed Wireless | 10 / 1 |
4G LTE (outdoors only), no 5G reported
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