971 Peytona Beach Rd, Waddy, KY 40076 Property Records

Shelby County property record for 971 Peytona Beach Rd, Waddy, KY 40076

Property Summary

Property Type	Single Family Home
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$315,000 (Jun 2026)
Tax Bill	$2,856 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Nov 2020 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`091-00-059A`

Property Details

APN / Parcel Number

Primary APN	`091-00-059A`
Alternative APN	`0054101`

Exterior

Lot Area	43,560 sqft (1 acres)

Location & Zoning

Account Number	0054101
Street Address	971 PEYTONA BEACH RD
City	WADDY
State	KY
Zip	40076-6036
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PEYTONA BEACH ROAD 1 ACRE
Jurisdiction	SHELBY KY
Township / Civil Division	HARRISONVILLE
Census Block Group	3
Census Block	3020
Census Tract	40102

Owner

Source: Shelby County records, as of July 6, 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	971 PEYTONA BEACH RD, WADDY, KY 40076-6036
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2026	Warranty Deed, Transfer · Conventional Mortgage A MORTGAGE
Nov 6, 2020	Deed of Trust, Mortgage · Construction Mortgage LIMESTONE BANK INC
Sep 17, 2021	Correction Deed
Jun 29, 2021	Deed, Transfer · Conventional Mortgage CITIZENS UNION BANK OF SHELBYVILLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 23, 2026 · Amount on Record
Deed Sale	Jun 23, 2026 · Amount on Record
Prior Sale	Aug 26, 2025 · Amount on Record
Deed Document Number	2026594074
Deed Book / Page	754 / 734
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHELBY KY
Recording Date	Jun 23, 2026
Property Address	971 PEYTONA BEACH RD, WADDY, KY 40076-6036
Document Number	0000594074
Book / Page	754 / 734
Instrument Date	Jun 16, 2026
Instrument	2026594074
Transaction Type	Transfer
Record Updated	Jul 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$31,815.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	971 PEYTONA BEACH RD, WADDY, KY 40076-6036

Mortgage

Document Number	0000594074,
Date	Jun 23, 2026
Book Page	1422/516
Instrument	2026594074

Lender

Name	A MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHELBY KY
Property Address	971 PEYTONA BEACH RD, WADDY, KY 40076-6036
Transaction Type	Mortgage
Record Updated	Jan 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 PLEASUREVILLE RD, PLEASUREVILLE, KY 40057-7027

Mortgage

Document Number	0M1188/174
Date	Nov 6, 2020
Book Page	M1188/174
Instrument	465982

Lender

Name	LIMESTONE BANK INC
Type	Bank
Address	PLEASUREVILLE, KY 40057

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	11 Months
Due	Oct 29, 2021

September 2021: Correction Deed

Document Type	Correction Deed
Jurisdiction	SHELBY KY
Recording Date	Sep 17, 2021
Property Address	971 PEYTONA BEACH RD, WADDY, KY 40076-6036
Document Number	0D0688/590
Book / Page	D0688 / 590
Instrument Date	Aug 26, 2021
Instrument	477115
Record Updated	Jan 21, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1003 MAJESTIC OAKS WAY, 1003, SIMPSONVILLE, KY 40067-5619

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	971 PEYTONA BEACH RD, WADDY, KY 40076-6036

June 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	SHELBY KY
Recording Date	Jun 29, 2021
Property Address	971 PEYTONA BEACH RD, WADDY, KY 40076-6036
Document Number	0D0684/478
Book / Page	D0684 / 478
Instrument Date	Jun 29, 2021
Instrument	474329
Transaction Type	Transfer
Record Updated	Jan 21, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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	1003 MAJESTIC OAKS WAY, 1003, SIMPSONVILLE, KY 40067-5619

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	971 PEYTONA BEACH RD, WADDY, KY 40076-6036

Mortgage

Document Number	0000474330
Date	Jun 29, 2021
Instrument	474330

Lender

Name	CITIZENS UNION BANK OF SHELBYVILLE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

Source: Shelby County assessment roll, as of February 17, 2026

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	$2,856.00 (-2.33%)	$250,000 (-)	$250,000 (-)
2023	$2,924.00	$250,000	$250,000

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	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

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.

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 13 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

Cell Coverage

5G (outdoors only) and 4G LTE

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