516 Waddy Rd, Waddy, KY 40076 Property Records

Shelby County property record for 516 Waddy Rd, Waddy, KY 40076

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,621 sqft · built 2003
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,872 (2025)
Deeds & Mortgages	May 2026 Line of Credit Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`091-00-032F`

Property Details

APN / Parcel Number

Primary APN	`091-00-032F`
Alternative APN	`0019662`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,621 sqft Living Area

Exterior

Year Built	Built 2003
Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	217,800 sqft (5 acres)
Garage Type	Mixed
Garage Area	832 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	75 sqft
Deck Area	509 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	0019662
Street Address	516 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 7
Legal Subdivision	AVERY HEIGHTS
Legal Tract	7
Jurisdiction	SHELBY KY
Township / Civil Division	HARRISONVILLE
Census Block Group	3
Census Block	3005
Census Tract	40101

Owner

Source: Shelby County records, as of February 13, 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	516 WADDY RD, WADDY, KY 40076-6016
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 29, 2026	Deed of Trust, Mortgage · Line of Credit COMMONWEALTH CREDIT UNION
Nov 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage JFQ LENDING INC
May 1, 2017	Deed of Trust, Mortgage · Line of Credit COMMUNITY TRUST BANK INC
Aug 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY KY
Recording Date	May 29, 2026
Property Address	516 WADDY RD, WADDY, KY 40076-6016
Document Number	0000591425
Book / Page	1419 / 707
Instrument Date	May 13, 2026
Instrument	2026591425
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	516 WADDY RD, WADDY, KY 40076-6016

Mortgage

Document Number	0000591425,
Date	May 29, 2026
Book Page	1419/707
Instrument	2026591425

Lender

Name	COMMONWEALTH CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.3%
Max Rate	-1%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY KY
Property Address	516 WADDY RD, WADDY, KY 40076-6016
Transaction Type	Mortgage
Record Updated	Nov 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1252/58
Date	Nov 8, 2021
Book Page	M1252/58
Instrument	478876

Lender

Name	JFQ LENDING INC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85256

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2036

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY KY
Property Address	516 WADDY RD, WADDY, KY 40076-6016
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1043/371
Date	May 1, 2017
Book Page	M1043/371
Instrument	430332

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank
Address	FRANKFORT, KY 40601

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Apr 14, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY KY
Property Address	516 WADDY RD, WADDY, KY 40076-6016
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1174/239
Date	Aug 24, 2020
Book Page	M1174/239
Instrument	463262

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2035

Tax Assessment & Valuation

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	$2,872.00 (-3.36%) Homeowner's exemption	$300,500 (-)	$300,500 (-)
2023	$2,972.00 Homeowner's exemption	$300,500	$300,500

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

Flood

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

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.

Nearby Properties on Waddy Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures