Franklin County property record for 784 Hickory Rdg Rd, Waddy, KY 40076
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 3 ba · built 1994 |
| Lot Size | 10.3 acres (452,153 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,234 (2025) |
| Deeds & Mortgages | Apr 2008 Mortgage Nov 2011 Mortgage + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 004-00-00-022.06 |
| Primary APN | 004-00-00-022.06 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Brick |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 452,153 sqft (10.3 acres) |
| Terrain | Rolling |
| View / Lot | Flood Plain/Flood Zone |
| Garage Type | Attached |
| Driveway | Gravel Driveway |
| Parking Spaces | 2 Parking Spaces |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | 63111 |
|---|---|
| Street Address | 784 HICKORY RIDGE RD |
| City | WADDY |
| State | KY |
| Zip | 40076-8912 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Subdivision | SURVEY OF DONALD L WERNER |
| Jurisdiction | FRANKLIN KY |
| Township / Civil Division | FRANKFORT |
| Census Block Group | 3 |
| Census Block | 3042 |
| Census Tract | 71102 |
Source: Franklin County records, as of March 27, 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 |
|---|---|
| Mailing Address | 784 HICKORY RIDGE RD, WADDY, KY 40076-8912 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 9, 2008 | Deed of Trust, Mortgage · Conventional Mortgage CLASS ACT FCU |
| Nov 1, 2011 | Deed of Trust, Mortgage · Conventional Mortgage CLASS ACT FEDERAL CU |
| Oct 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage EVERETT FINANCIAL INC |
| Mar 1, 2016 | Deed of Trust, Mortgage FARMERS BANK & CAPITAL TRUST CO |
| Nov 29, 2005 | Deed of Trust, Mortgage NATIONAL CITY BANK |
| Oct 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage EVERETT FINANCIAL INC |
| Aug 5, 2014 | Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Aug 5, 2014 | Deed, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 784 HICKORY RIDGE RD, WADDY, KY 40076-8912 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0M1094/409 |
|---|---|
| Date | Apr 9, 2008 |
| Book Page | M1094/409 |
| Instrument | 328508 |
| Name | CLASS ACT FCU |
|---|---|
| Type | Non-Lending Institution |
| Address | LOUISVILLE, KY 40219 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 1, 2023 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 784 HICKORY RIDGE RD, WADDY, KY 40076-8912 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 001219/047 |
|---|---|
| Date | Nov 1, 2011 |
| Book Page | 1219/047 |
| Instrument | 378133 |
| Name | CLASS ACT FEDERAL CU |
|---|---|
| Address | LOUISVILLE, KY 40219 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 1, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 784 HICKORY RIDGE RD, WADDY, KY 40076-8912 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0M1563/235 |
|---|---|
| Date | Oct 21, 2020 |
| Book Page | M1563/235 |
| Instrument | 511858 |
| Name | EVERETT FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Address | DALLAS, TX 75254 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 784 HICKORY RIDGE RD, WADDY, KY 40076-8912 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Name | Verified Name |
|---|
| Document Number | 0M1370/406 |
|---|---|
| Date | Mar 1, 2016 |
| Book Page | M1370/406 |
| Instrument | 441826 |
| Name | FARMERS BANK & CAPITAL TRUST CO |
|---|---|
| Type | Bank |
| Address | FRANKFORT, KY 40601 |
| Amount | Amount Recorded |
|---|---|
| Term | 359 Months |
| Due | Feb 26, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 784 HICKORY RIDGE RD, WADDY, KY 40076-8912 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00M990/286 |
|---|---|
| Date | Nov 29, 2005 |
| Book Page | M990/286 |
| Instrument | 291970 |
| Name | NATIONAL CITY BANK |
|---|---|
| Type | Bank |
| Address | BRECKSVILLE, OH 44141 |
| Amount | Amount Recorded |
|---|---|
| Term | 119 Months |
| Due | Oct 20, 2015 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Property Address | 784 HICKORY RIDGE RD, WADDY, KY 40076-8912 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | M1563/235 |
|---|---|
| Date | Oct 21, 2020 |
| Book Page | M1563/235 |
| Instrument | 511858 |
| Name | EVERETT FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Address | DALLAS, TX 75254 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Aug 5, 2014 |
| Property Address | 784 HICKORY RIDGE RD, WADDY, KY 40076-8912 |
| Document Number | 00D547/714 |
| Book / Page | D547 / 714 |
| Instrument Date | Aug 1, 2014 |
| Instrument | 419147 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 784 HICKORY RIDGE RD, WADDY, KY 40076-8912 |
| Name | Verified Name |
|---|---|
| Address | 784 HICKORY RIDGE RD, WADDY, KY 40076-8912 |
| Investor | Possibly a Property Investor |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN KY |
| Recording Date | Aug 5, 2014 |
| Property Address | 784 HICKORY RIDGE RD, WADDY, KY 40076-8912 |
| Document Number | 00D547/718 |
| Book / Page | D547 / 718 |
| Instrument Date | Aug 1, 2014 |
| Instrument | 419148 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 315 HIGH ST, FRANKFORT, KY 40601-2110 |
| Name | Verified Name |
|---|---|
| Address | 784 HICKORY RIDGE RD, WADDY, KY 40076-8912 |
Source: Franklin County assessment roll, as of March 27, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Franklin County |
| Unified School District | Franklin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,234.00 (+0.27%) | $186,507 (-) Land $3,507 Building $183,000 | $186,507 (-) Land $3,507 Building $183,000 |
| 2023 | $2,228.00 | $186,507 | $186,507 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective December 21, 2017 · 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 |
| Flood Insurance Cost | Premium on Record median of 11 policies |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 5 (1997–2015) |
| Most Recent Claim | Apr 2015 · Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | FARMDALE WATER DISTRICT serves 8,203 people · EPA ID KY0370128 |
|---|---|
| Water Source | Purchased surface water from FRANKFORT PLANT BOARD |
| Last State Inspection | Apr 2024 |
| Also Mapped Here | SO WOODFORD CO WATER DISTRICT |
| Lead | 3 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 12 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frankfort Plant Board Fiber | 5,000 / 5,000 |
| Verizon Fixed Wireless | 300 / 20 |
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