Madison County property record for 102 Madison St, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,162 sqft |
| Lot Size | 0.264 acres (11,522 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $195,000 (Apr 2026) |
| Tax Bill | $1,386 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Apr 2026 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | B009-0014-0005 |
| Primary APN | B009-0014-0005 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,162 sqft Living Area |
| Exterior Material | Brick Veneer |
|---|---|
| Lot Area | 11,522 sqft (0.264 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 64116 |
|---|---|
| Street Address | 102 MADISON ST |
| City | BEREA |
| State | KY |
| Zip | 40403-1204 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | JACKSON LOT 18 BLK H |
| Legal Subdivision | JACKSON ADD |
| Legal Block | H |
| Legal Lot Number | 18 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 11303 |
Source: Madison County records, as of August 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 102 MADISON ST, BEREA, KY 40403-1204 |
| Owner Type | Company |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Apr 28, 2026 | Deed, Transfer · FHA Mortgage NORTHPOINTE BANK |
| Apr 28, 2026 | Deed of Trust, Mortgage · Conventional Mortgage KENTUCKY HOUSING CORPORATION |
| Apr 28, 2026 | Deed, Transfer · FHA Mortgage NORTHPOINTE BANK |
| Sep 27, 2021 | Deed, Transfer · USDA Mortgage HOMETOWN EQUITY MORTGAGE |
| Sep 27, 2021 | Deed, Transfer · USDA Mortgage HOMETOWN EQUITY MORTGAGE |
| Jun 5, 2019 | Deed, Transfer · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC |
| Jul 26, 2005 | Correction Deed |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 28, 2026 · Amount on Record |
| Deed Sale | Apr 28, 2026 · Amount on Record |
| Prior Sale | Sep 27, 2021 · Amount on Record |
| Deed Document Number | 202614342911 |
| Deed Book / Page | 881 / 786 |
| Prior Transfer Date | Jun 10, 2005 |
| Prior Transfer Doc | 0D0593/232 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Apr 28, 2026 |
| Property Address | 102 MADISON ST, BEREA, KY 40403-1204 |
| Document Number | 0014342911 |
| Book / Page | 881 / 786 |
| Instrument Date | Apr 24, 2026 |
| Instrument | 2026.14342911 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2026 |
| Title Company | LAND GROUP TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $19,695.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Remainderman |
| Address | 102 MADISON ST, BEREA, KY 40403-1204 |
| Document Number | 0014342912, |
|---|---|
| Date | Apr 28, 2026 |
| Instrument | 2026.14342912 |
| Name | NORTHPOINTE BANK |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
| Document Number | 0014342913, |
|---|---|
| Date | Apr 28, 2026 |
| Book Page | 2462/773 |
| Instrument | 2026.14342913 |
| Name | KENTUCKY HOUSING CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 15 Months |
| Due | May 1, 2041 |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Apr 28, 2026 |
| Property Address | 102 MADISON ST, BEREA, KY 40403-1204 |
| Document Number | 0014342913 |
| Book / Page | 2462 / 773 |
| Instrument Date | Apr 24, 2026 |
| Instrument | 202614342913 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | LAND GROUP TITLE |
| Name | Verified Name |
|---|---|
| Address | 102 MADISON ST, BEREA, KY 40403-1204 |
| Document Number | 0014342913, |
|---|---|
| Date | Apr 28, 2026 |
| Book Page | 2462/773 |
| Instrument | 202614342913 |
| Name | KENTUCKY HOUSING CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.75% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Apr 28, 2026 |
| Property Address | 102 MADISON ST, BEREA, KY 40403-1204 |
| Document Number | 00D881/786 |
| Book / Page | 881 / 786 |
| Instrument Date | Apr 24, 2026 |
| Instrument | 202614342911 |
| Transaction Type | Transfer |
| Record Updated | Jul 6, 2026 |
| Title Company | LAND TITLE, LAND GROUP TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $19,695.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Remainderman |
| Address | 102 MADISON ST, BEREA, KY 40403-1204 |
| Document Number | 0014342912, |
|---|---|
| Date | Apr 28, 2026 |
| Instrument | 202614342912 |
| Name | NORTHPOINTE BANK |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
| Document Number | 0014342913, |
|---|---|
| Date | Apr 28, 2026 |
| Book Page | 2462/773 |
| Instrument | 202614342913 |
| Name | KENTUCKY HOUSING CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 15 Months |
| Due | May 1, 2041 |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Sep 27, 2021 |
| Property Address | 102 MADISON ST, BEREA, KY 40403-1204 |
| Document Number | D812/58 |
| Book / Page | D812 / 58 |
| Map Reference | MB 5 PG 56 |
| Instrument Date | Sep 22, 2021 |
| Instrument | 2014055130 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $147.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 150 HIGHLAND AVE, 150, LANCASTER, KY 40444-1018 |
| Name | Verified Name |
|---|---|
| Address | 102 MADISON ST, BEREA, KY 40403-1204 |
| Document Number | 2014055131 |
|---|---|
| Date | Sep 27, 2021 |
| Instrument | 2014055131 |
| Name | HOMETOWN EQUITY MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Sep 27, 2021 |
| Property Address | 102 MADISON ST, BEREA, KY 40403-1204 |
| Document Number | 000D812/58 |
| Book / Page | D812 / 58 |
| Map Reference | MB 5 PG 56 |
| Instrument Date | Sep 22, 2021 |
| Instrument | 2014055130 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $147.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 150 HIGHLAND AVE, LANCASTER, KY 40444-1018 |
| Name | Verified Name |
|---|---|
| Address | 102 MADISON ST, BEREA, KY 40403-1204 |
| Document Number | 2014055131 |
|---|---|
| Date | Sep 27, 2021 |
| Instrument | 2014055131 |
| Name | HOMETOWN EQUITY MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jun 5, 2019 |
| Property Address | 102 MADISON ST, BEREA, KY 40403-1204 |
| Document Number | D00774/351 |
| Book / Page | D00774 / 351 |
| Map Reference | MB 5 PG 56 |
| Instrument Date | Jun 3, 2019 |
| Instrument | 2013993565 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Title Company | JETT TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $131.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2135 MENELAUS RD, BEREA, KY 40403-8717 |
| Name | Verified Name |
|---|---|
| Address | 102 MADISON ST, BEREA, KY 40403-1204 |
| Document Number | 2013993566 |
|---|---|
| Date | Jun 5, 2019 |
| Instrument | 2013993566 |
| Name | SIERRA PACIFIC MORTGAGE CO INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2049 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jul 26, 2005 |
| Property Address | 102 MADISON ST, BEREA, KY 40403-1204 |
| Document Number | 0D0593/232 |
| Book / Page | D0593 / 232 |
| Map Reference | MB17 PG196 |
| Instrument Date | Jun 10, 2005 |
| Instrument | 349857 |
| Record Updated | Jun 29, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|---|
| Address | 5668 SCAFFOLD CANE RD, MOUNT VERNON, KY 40456-7192 |
| Name | Verified Name |
|---|---|
| Address | 102 MADISON ST, BEREA, KY 40403-1204 |
Source: Madison County assessment roll, as of December 9, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| Municipality | Berea City |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,386.00 (-2.74%) | $147,000 (-) | $147,000 (-) |
| 2023 | $1,425.00 | $147,000 | $147,000 |
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 |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 9 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.
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 | None beyond ember reach |
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 | SOUTHERN MADISON WATER DISTRICT serves 14,707 people · EPA ID KY0760407 |
|---|---|
| Water Source | Purchased surface water from BEREA MUNICIPAL UTILITIES |
| Last State Inspection | May 2023 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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 284 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Windstream Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
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