494 Waddy Rd, Waddy, KY 40076 Property Records

Shelby County property record for 494 Waddy Rd, Waddy, KY 40076

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,648 sqft · built 2002
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,429 (2025)
Deeds & Mortgages	Jun 2021 Line of Credit Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`091-00-032E`

Property Details

APN / Parcel Number

Primary APN	`091-00-032E`
Alternative APN	`0019570`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,648 sqft Living Area
Basement Area	2,697 sqft

Exterior

Year Built	Built 2002
Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	217,800 sqft (5 acres)
Garage Type	Mixed
Garage Area	875 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Porch	Porch
Porch Area	80 sqft
Deck Area	361 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	0019570
Street Address	494 WADDY RD
City	WADDY
State	KY
Zip	40076-6016
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIAL
Legal Description	AVERY HEIGHTS RUSSELL FARM TR 6
Legal Subdivision	AVERY HEIGHTS
Legal Tract	6
Jurisdiction	SHELBY KY
Township / Civil Division	HARRISONVILLE
Census Block Group	3
Census Block	3005
Census Tract	40101

Owner

494 Waddy Rd is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	494 WADDY RD, WADDY, KY 40076-6016
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 4, 2021	Deed of Trust, Mortgage · Line of Credit INDEPENDENCE BANK OF KENTUCKY
Feb 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage INDEPENDENCE BANK OF KENTUCKY
Dec 7, 2017	Deed of Trust, Mortgage · Construction Mortgage CENTRAL BANK & TRUST CO
Sep 27, 2017	Deed of Trust, Mortgage · Line of Credit CENTRAL BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY KY
Property Address	494 WADDY RD, WADDY, KY 40076-6016
Transaction Type	Mortgage
Record Updated	Jun 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	494 WADDY RD, WADDY, KY 40076-6016

Mortgage

Document Number	M1226/489
Date	Jun 4, 2021
Book Page	M1226/489
Instrument	473437

Lender

Name	INDEPENDENCE BANK OF KENTUCKY
Type	Bank
Address	FRANKFORT, KY 40601

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	May 31, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY KY
Property Address	494 WADDY RD, WADDY, KY 40076-6016
Transaction Type	Mortgage
Record Updated	Mar 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1207/305
Date	Feb 22, 2021
Book Page	M1207/305
Instrument	469737

Lender

Name	INDEPENDENCE BANK OF KENTUCKY
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY KY
Property Address	494 WADDY RD, WADDY, KY 40076-6016
Transaction Type	Mortgage
Record Updated	Dec 20, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 436495
Date	Dec 7, 2017
Book Page	M1066/293
Instrument	436495

Lender

Name	CENTRAL BANK & TRUST CO
Type	Bank
Address	LEXINGTON, KY 40507

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	59 Months
Due	Nov 17, 2022

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY KY
Property Address	494 WADDY RD, WADDY, KY 40076-6016
Transaction Type	Mortgage
Record Updated	Oct 27, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 434637
Date	Sep 27, 2017
Book Page	M1058/877
Instrument	434637

Lender

Name	CENTRAL BANK & TRUST CO
Type	Bank
Address	LEXINGTON, KY 40507

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Sep 15, 2022

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 494 Waddy Rd was $4,429.

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	$4,429.00	$390,000	$390,000
2023	$4,534.00	$390,000	$390,000

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

Flood

FEMA maps place 494 Waddy 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	3 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 494 Waddy 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Frankfort Plant Board.

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