1002 Gabbard Rd, Berea, KY 40403 Property Records

Garrard County property record for 1002 Gabbard Rd, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · built 1988
Lot Size	4.34 acres (189,050 sqft)
Owner	Individual Name on Record
Tax Bill	$1,355 (2025)
Deeds & Mortgages	Aug 2025 Sale Aug 2024 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`70-094`

Property Details

APN / Parcel Number

Primary APN	`70-094`
Alternative APN	`15845`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Split Level
Exterior Material	Brick Veneer
Foundation Type	Block
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	189,050 sqft (4.34 acres)
Garage Type	Basement

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	15845
Street Address	1002 GABBARD RD
City	BEREA
State	KY
Zip	40403-8965
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4.34 AC & HOUSE
Jurisdiction	GARRARD KY
Township / Civil Division	PAINT LICK
Census Block Group	2
Census Block	2017
Census Tract	970400

Owner

Source: Garrard County records, as of September 23, 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	1002 GABBARD RD, BEREA, KY 40403-8965
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2025	Deed, Transfer
Aug 27, 2024	Deed, Construction Loan · Construction Mortgage CENTRAL KENTUCKY AG CREDIT ASSN

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

August 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Aug 11, 2025
Property Address	1002 GABBARD RD, BEREA, KY 40403-8965
Document Number	00D333/275
Book / Page	D333 / 275
Map Reference	MB 328 PG 1
Instrument Date	Jul 31, 2025
Instrument	197485
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount Recorded
Tax	$270.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	305 MAYWOOD RD, STANFORD, KY 40484-7102

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1002 GABBARD RD, BEREA, KY 40403-8965

August 2024: Deed, Construction Loan

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Aug 27, 2024
Property Address	1002 GABBARD RD, BEREA, KY 40403-8965
Document Number	00D327/877
Book / Page	D327 / 877
Map Reference	MB PC7 PG 90
Instrument Date	Aug 27, 2024
Instrument	187434
Transaction Type	Construction Loan
Record Updated	Jan 20, 2026

Transaction

Amount	Amount Recorded
Tax	$102.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3251 SWEETWATER RD, BEREA, KY 40403-8406

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1002 GABBARD RD, BEREA, KY 40403-8965

Mortgage

Document Number	0000187435
Date	Aug 27, 2024
Instrument	187435

Lender

Name	CENTRAL KENTUCKY AG CREDIT ASSN
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	288 Months
Due	Aug 27, 2048

Tax Assessment & Valuation

Source: Garrard County assessment roll, as of May 5, 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Garrard County
Unified School District	Garrard County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$150,000 (+12.78%) Land $25,000 Building $125,000	$150,000 (+12.78%) Land $25,000 Building $125,000
2025	$1,355.00 (-0.51%)	$133,000 (+2.31%) Land $15,000 Building $118,000	$133,000 (+2.31%) Land $15,000 Building $118,000
2024	$1,362.00 (-2.85%)	$130,000 (-) Land $15,000 Building $115,000	$130,000 (-) Land $15,000 Building $115,000
2023	$1,402.00 (-0.92%)	$130,000 (-) Land $15,000 Building $115,000	$130,000 (-) Land $15,000 Building $115,000
2022	$1,415.00	$130,000 Land $15,000 Building $115,000	$130,000 Land $15,000 Building $115,000

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 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
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1991–2010)
Claims Outside the SFHA	1 of 2
Most Recent Claim	May 2010 · Severe Storms, Flooding, Mudslides, And Tornadoes

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 62% of the US · above 68% of Kentucky
Wildfire Likelihood	0.05% 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	GARRARD CO WATER ASSOC INC private · serves 14,806 people · EPA ID KY0400151
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	100 / 3

May also be available: AT&T.

Cell Coverage

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

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