595 Holladay Ln, Waco, KY 40385 Property Records

Madison County property record for 595 Holladay Ln, Waco, KY 40385

Property Summary

Property Type	Single Family Home
Details	1,287 sqft
Lot Size	52.3 acres (2,279,495 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (Dec 2021)
Tax Bill	$577 (2025)
Deeds & Mortgages	Sep 2018 Construction Loan Feb 2022 Construction Loan + 4 more
Flood Zone	Zone X (minimal risk)
APN	`0106-0000-0003-D`

Property Details

APN / Parcel Number

Primary APN	`0106-0000-0003-D`
Alternative APNs	`121665` `84656` `51162`

Interior

Stories	2 Stories
Building Area	1,287 sqft Living Area

Exterior

Exterior Material	Wood
Lot Area	2,279,495 sqft (52.3 acres)
Garage Type	Detached
Garage Area	3,612 sqft
Parking Spaces	12 Parking Spaces

Location & Zoning

Account Number	51162
Street Address	595 HOLLADAY LN
City	WACO
State	KY
Zip	40385-9728
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 4 (18.22 ACRES)
Legal Tract	4
Jurisdiction	MADISON KY
Township / Civil Division	WACO-BYBEE
Census Block Group	1
Census Block	1000
Census Tract	11002

Owner

595 Holladay Ln is owned and occupied by an individual who bought it in December 2021.

Source: Madison County records, as of December 8, 2025

Owner of Record	Individual Name on File
Mailing Address	595 HOLLADAY LN, WACO, KY 40385-9728
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
Sep 18, 2018	Deed of Trust, Mortgage · Construction Mortgage CITIZENS GUARANTY BANK
Feb 23, 2022	Deed of Trust, Mortgage · Construction Mortgage COMMUNITY TRUST BANK INC
May 13, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS GUARANTY BANK
Dec 2, 2021	Deed, Transfer · Line of Credit CENTRAL KENTUCKY AG CREDIT ASSN
Nov 9, 2021	Deed, Transfer · Stand-Alone Second Mortgage COMMUNITY TRUST BANK INC
Jan 9, 2018	Deed, Transfer · Commercial Mortgage CITIZENS GUARANTY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 2, 2021 · Amount on File
Deed Sale	Dec 2, 2021 · Amount on File
Prior Sale	Nov 9, 2021 · Amount on File
Deed Document Number	2014066496
Deed Book / Page	D815 / 150
Record Updated	Jun 8, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	595 HOLLADAY LN, WACO, KY 40385-9728
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01824/556
Date	Sep 18, 2018
Book Page	M01824/556
Instrument	2013982089

Lender

Name	CITIZENS GUARANTY BANK
Type	Bank
Address	IRVINE, KY 40336

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Sep 17, 2019

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	595 HOLLADAY LN, WACO, KY 40385-9728
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M2136/159
Date	Feb 23, 2022
Book Page	M2136/159
Instrument	2014078425

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank
Address	PIKEVILLE, KY 41502

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	371 Months
Due	Jan 21, 2053

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 21, 2028
Change Frequency	Annually
Min Rate At Change	3.37%
Max Rate At Change	5.25%
Index	1-Year CMT
Max Rate	9.25%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	595 HOLLADAY LN, WACO, KY 40385-9728
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	595 HOLLADAY LN, WACO, KY 40385-9728

Mortgage

Document Number	00M2160/17
Date	May 13, 2022
Book Page	M2160/17
Instrument	2014091898

Lender

Name	CITIZENS GUARANTY BANK
Type	Bank
Address	IRVINE, KY 40336

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	May 13, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Dec 2, 2021
Property Address	595 HOLLADAY LN, WACO, KY 40385-9728
Document Number	00D815/150
Book / Page	D815 / 150
Map Reference	MB 17 PG 86
Instrument Date	Nov 30, 2021
Instrument	2014066496
Transaction Type	Transfer
Record Updated	Jul 11, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$220.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	595 HOLLADAY LN, WACO, KY 40385-9728

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3045 COLONEL RD APT A, A, RICHMOND, KY 40475-9800

Mortgage

Document Number	2014066497
Date	Dec 2, 2021
Instrument	2014066497

Lender

Name	CENTRAL KENTUCKY AG CREDIT ASSN
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	288 Months
Due	Nov 30, 2045

November 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Nov 9, 2021
Property Address	595 HOLLADAY LN, WACO, KY 40385-9728
Document Number	000D814/61
Book / Page	D814 / 61
Map Reference	MB 136 PG 205
Instrument Date	Oct 25, 2021
Instrument	2014062951
Transaction Type	Transfer
Record Updated	Aug 10, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$135.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	595 HOLLADAY LN, 595, WACO, KY 40385-9728

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	165 TUSCANY WAY, RICHMOND, KY 40475-8076

Mortgage

Document Number	2014062954
Date	Nov 9, 2021
Instrument	2014062954

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	179 Months
Due	Sep 30, 2036

January 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Jan 9, 2018
Property Address	595 HOLLADAY LN, WACO, KY 40385-9728
Document Number	D00754/610
Book / Page	D00754 / 610
Map Reference	MB17 PG86
Instrument Date	Dec 22, 2017
Instrument	2013970154
Transaction Type	Transfer
Record Updated	Aug 10, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$374.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1845 WHITE OAK RD, 1845, IRVINE, KY 40336-7758

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	595 HOLLADAY LN, WACO, KY 40385-9728

Mortgage

Document Number	2013970155
Date	Jan 9, 2018
Instrument	2013970155

Lender

Name	CITIZENS GUARANTY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	359 Months
Due	Dec 28, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 595 Holladay Ln was $577 with a homeowner's exemption.

Source: Madison County assessment roll, as of April 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Madison County
Unified School District	Madison County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$577.00 Homeowner's exemption	$110,300	$110,300
2023	$620.00 (-42.22%) Homeowner's exemption	$110,300 (-)	$110,300 (-)
2022	$1,073.00	$110,300	$110,300

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

Flood

FEMA maps place 595 Holladay Ln in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 595 Holladay Ln is low, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · above 68% of Kentucky
Wildfire Likelihood	0.06% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

4G LTE only, no 5G reported

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