654 Waddy Rd, Waddy, KY 40076 Property Records

Shelby County property record for 654 Waddy Rd, Waddy, KY 40076

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,069 sqft · built 2002
Lot Size	8.27 acres (360,415 sqft)
Owner	Individual Name on Record
Last Sale	$350,000 (Dec 2019)
Tax Bill	$3,980 (2025)
Deeds & Mortgages	Jul 2019 Mortgage Jul 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`091-00-032H`

Property Details

APN / Parcel Number

Primary APN	`091-00-032H`
Alternative APN	`0050920`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	3,069 sqft Living Area
Basement Area	1,653 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	360,415 sqft (8.27 acres)
Garage Type	Mixed
Garage Area	1,016 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Above-Ground Pool
Porch	Porch
Porch Area	95 sqft
Deck Area	108 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	0050920
Street Address	654 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 9
Legal Subdivision	AVERY HEIGHTS
Legal Tract	9
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	654 WADDY RD, WADDY, KY 40076-6016
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2019	Deed of Trust, Mortgage · Conventional Mortgage EVANSVILLE TEACHERS FCU
Jul 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage THE MORTGAGE WAREHOUSE
Jun 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE MORTGAGE WAREHOUSE
Dec 4, 2019	Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE WAREHOUSE
Jul 8, 2019	Warranty Deed, Transfer MATINGLY FORD TITLE SERVICES LLC, MATTINGLY FORD TTL SVCS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2019 · Amount on Record
Deed Sale	Dec 4, 2019 · Amount on Record
Prior Sale	Jul 8, 2019 · Amount on Record
Deed Document Number	455696
Deed Book / Page	D0658 / 273
Record Updated	Jun 8, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY KY
Property Address	654 WADDY RD, WADDY, KY 40076-6016
Transaction Type	Mortgage
Record Updated	Jan 19, 2023
Title Company	MATTINGLY FORD TTL SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1118/863
Date	Jul 8, 2019
Book Page	M1118/863
Instrument	451276

Lender

Name	EVANSVILLE TEACHERS FCU
Type	Credit Union
Address	LOUISVILLE, KY 40223

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Aug 1, 2026
Min Rate At Change	2.75%
Max Rate At Change	8.75%
Index	1-Year LIBOR
Max Rate	8.75%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY KY
Property Address	654 WADDY RD, WADDY, KY 40076-6016
Transaction Type	Mortgage
Record Updated	Jun 29, 2021
Title Company	MATINGLY FORD TITLE SERVICES LLC, MATTINGLY FORD TTL SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1166/514
Date	Jul 13, 2020
Book Page	M1166/514
Instrument	461746

Lender

Name	THE MORTGAGE WAREHOUSE
Type	Mortgage Company
Address	LOUISVILLE, KY 40222

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY KY
Property Address	654 WADDY RD, WADDY, KY 40076-6016
Transaction Type	Mortgage
Record Updated	Jun 29, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1227/407
Date	Jun 9, 2021
Book Page	M1227/407
Instrument	473628

Lender

Name	THE MORTGAGE WAREHOUSE
Type	Mortgage Company
Address	LOUISVILLE, KY 40223

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY KY
Recording Date	Dec 4, 2019
Property Address	654 WADDY RD, WADDY, KY 40076-6016
Document Number	D0658/273
Book / Page	D0658 / 273
Map Reference	CAB 2 SL 78
Instrument Date	Nov 26, 2019
Instrument	455696
Transaction Type	Transfer
Record Updated	Jun 29, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$350.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	207 PARK VIEW DR, 207, LOUISVILLE, KY 40245-4922

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	654 WADDY RD, WADDY, KY 40076-6016

Mortgage

Document Number	455697
Date	Dec 4, 2019
Instrument	455697

Lender

Name	THE MORTGAGE WAREHOUSE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY KY
Recording Date	Jul 8, 2019
Property Address	654 WADDY RD, WADDY, KY 40076-6016
Document Number	D0652/120
Book / Page	D0652 / 120
Map Reference	CAB 2 SL 78
Instrument Date	Jul 5, 2019
Instrument	451275
Transaction Type	Transfer
Record Updated	Jun 29, 2021
Title Company	MATINGLY FORD TITLE SERVICES LLC, MATTINGLY FORD TTL SVCS LLC

Transaction

Amount	Amount Recorded
Tax	$345.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	111 HOOPER STATION RD, 111, SHELBYVILLE, KY 40065-9347

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	654 WADDY RD, WADDY, KY 40076-6016

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	$3,980.00 (-2.31%) Homeowner's exemption	$350,000 (-)	$350,000 (-)
2023	$4,074.00 Homeowner's exemption	$350,000	$350,000

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.

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