825 Ditto Rd, Waddy, KY 40076 Property Records

Shelby County property record for 825 Ditto Rd, Waddy, KY 40076

Property Summary

Property Type	Farm - Irrigated or Dry
Lot Size	160 acres (6,969,600 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,821 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Nov 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`083-00-028`

Property Details

APN / Parcel Number

Primary APN	`083-00-028`
Alternative APN	`0000899`

Exterior

Lot Area	6,969,600 sqft (160 acres)

Location & Zoning

Account Number	0000899
Street Address	825 DITTO RD
City	WADDY
State	KY
Zip	40076-6055
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > Farm - Irrigated or Dry
Legal Description	DITTO ROAD 160 ACRES
Jurisdiction	SHELBY KY
Township / Civil Division	HARRISONVILLE
Census Block Group	1
Census Block	1000
Census Tract	40101

Owner

825 Ditto Rd, an agricultural property, is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	825 DITTO RD, WADDY, KY 40076-6055
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
Dec 15, 2022	Deed of Trust, Mortgage · Line of Credit THE GERMAN AMERICAN BANK
Nov 13, 2020	Deed of Trust, Mortgage · Line of Credit CITIZENS UNION BANK
Nov 13, 2019	Deed of Trust, Mortgage · Line of Credit CITIZENS UNION BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY KY
Property Address	825 DITTO RD, WADDY, KY 40076-6055
Transaction Type	Mortgage
Record Updated	Jan 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1299/836
Date	Dec 15, 2022
Book Page	M1299/836
Instrument	492611

Lender

Name	THE GERMAN AMERICAN BANK
Type	Bank
Address	SHELBYVILLE, KY 40065

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	117 Months
Due	Sep 20, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY KY
Property Address	825 DITTO RD, WADDY, KY 40076-6055
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	825 DITTO RD, WADDY, KY 40076-6055

Mortgage

Document Number	M1189/249
Date	Nov 13, 2020
Book Page	M1189/249
Instrument	466264

Lender

Name	CITIZENS UNION BANK
Type	Bank
Address	SHELBYVILLE, KY 40065

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Nov 6, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY KY
Property Address	825 DITTO RD, WADDY, KY 40076-6055
Transaction Type	Mortgage
Record Updated	Nov 28, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1134/576
Date	Nov 13, 2019
Book Page	M1134/576
Instrument	455096

Lender

Name	CITIZENS UNION BANK
Type	Bank
Address	SHELBYVILLE, KY 40065

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Nov 5, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 825 Ditto Rd was $3,821 with a homeowner's exemption.

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
2025	$3,821.00 Homeowner's exemption	$385,000
2023	$3,944.00 Homeowner's exemption	$385,000

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 825 Ditto Rd 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 825 Ditto Rd 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.

Internet Providers

Source: FCC Broadband Data Collection, as of December 31, 2025

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Ditto Rd

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