80 Ritter Ln, Waddy, KY 40076 Property Records

Shelby County property record for 80 Ritter Ln, Waddy, KY 40076

Property Summary

Property Type	Mobile Home
Details	3 bd · 3 ba · 1,836 sqft · built 2005
Lot Size	5.03 acres (219,107 sqft)
Owner	Individual Name on File
Last Sale	$240,000 (Apr 2022)
Tax Bill	$2,744 (2025)
Deeds & Mortgages	May 2021 Line of Credit Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`074-00-009K`

Property Details

APN / Parcel Number

Primary APN	`074-00-009K`
Alternative APNs	`0036577` `0055967`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,836 sqft Living Area
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	219,107 sqft (5.03 acres)
Garage Type	Mixed
Parking Spaces	3 Parking Spaces
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	0055967
Street Address	80 RITTER LN
City	WADDY
State	KY
Zip	40076-6159
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	M J FARMS TR 4/5.03 AC
Legal Subdivision	M J FARMS RITTER ROAD
Legal Tract	4
Jurisdiction	SHELBY KY
Township / Civil Division	HARRISONVILLE
Census Block Group	1
Census Block	1007
Census Tract	40101

Owner

80 Ritter Ln, a mobile home, is owned and occupied by an individual who bought it in April 2022.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	80 RITTER LN, WADDY, KY 40076-6159
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
May 6, 2021	Deed of Trust, Mortgage · Line of Credit COMMONWEALTH CREDIT UNION
Nov 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Apr 21, 2022	Deed, Transfer · FHA Mortgage REPUBLIC STATE MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 21, 2022 · Amount on File
Deed Sale	Apr 21, 2022 · Amount on File
Prior Sale	Jan 5, 2011 · Amount on File
Deed Document Number	483554
Deed Book / Page	D698 / 528
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY KY
Property Address	80 RITTER LN, WADDY, KY 40076-6159
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000M1222/9
Date	May 6, 2021
Book Page	M1222/9
Instrument	472464

Lender

Name	COMMONWEALTH CREDIT UNION
Type	Credit Union
Address	FRANKFORT, KY 40602

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY KY
Property Address	80 RITTER LN, WADDY, KY 40076-6159
Transaction Type	Mortgage
Record Updated	Aug 10, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1251/159
Date	Nov 1, 2021
Book Page	M1251/159
Instrument	478680

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	114 Months
Due	May 1, 2031

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	SHELBY KY
Recording Date	Apr 21, 2022
Property Address	80 RITTER LN, WADDY, KY 40076-6159
Document Number	00D698/528
Book / Page	D698 / 528
Map Reference	CAB 3 SL 131B
Instrument Date	Apr 15, 2022
Instrument	483554
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 144, FISHERVILLE, KY 40023-0144

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	80 RIFLER LANE, WADDY, KY 40076

Mortgage

Document Number	0000483555
Date	Apr 21, 2022
Instrument	483555

Lender

Name	REPUBLIC STATE MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

Mortgage

Document Number	0M1273/117
Date	Apr 21, 2022
Book Page	M1273/117
Instrument	483556

Lender

Name	LEXINGTON-FAYETTE URBAN COUNTY GOV
Type	Government Agency
Address	FRANKFORT, KY 40601

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	121 Months
Due	May 1, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 80 Ritter Ln was $2,744.

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	$2,744.00	$240,000	$240,000
2023	$2,809.00	$240,000	$240,000

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

Flood

FEMA maps place 80 Ritter Ln 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	1 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 80 Ritter Ln 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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Bluegrass Fiber Fixed Wireless	100 / 25
All Points Broadband Fixed Wireless	10 / 1

Cell Coverage

4G LTE only, no 5G reported

Nearby Properties on Ritter Ln

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