Madison County property record for 102 S Cumberland St, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,620 sqft |
| Lot Size | 0.369 acres (16,083 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $149,000 (Aug 2020) |
| Tax Bill | $1,659 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage Aug 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | B008-0009-0004 |
| Primary APN | B008-0009-0004 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,620 sqft Living Area |
| Exterior Material | Brick Veneer |
|---|---|
| Lot Area | 16,083 sqft (0.369 acres) |
| Garage Type | Attached |
| Garage Area | 380 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 56769 |
|---|---|
| Street Address | 102 S CUMBERLAND ST |
| City | BEREA |
| State | KY |
| Zip | 40403-1029 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DIXIE GLADE ACRES LOT 5 BLK 1 |
| Legal Subdivision | DIXIE GLADE |
| Legal Block | 1 |
| Legal Lot Number | 5 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 11202 |
102 S Cumberland St is owned and occupied by two individuals who bought it in August 2020.
Source: Madison County records, as of December 9, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 102 S CUMBERLAND ST, BEREA, KY 40403-1029 |
| 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.
| Date | Document |
|---|---|
| Mar 4, 2022 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Aug 13, 2020 | Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK NA |
| Jun 19, 2019 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 13, 2020 · Amount on File |
| Deed Sale | Aug 13, 2020 · Amount on File |
| Prior Sale | Dec 2, 2005 · Amount on File |
| Deed Document Number | 202014018064 |
| Deed Book / Page | 792 / 413 |
| Prior Transfer Date | Jun 18, 2019 |
| Prior Transfer Doc | D00774/766 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 102 S CUMBERLAND ST, BEREA, KY 40403-1029 |
| Transaction Type | Mortgage |
| Record Updated | Mar 16, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0M2139/224 |
|---|---|
| Date | Mar 4, 2022 |
| Book Page | M2139/224 |
| Instrument | 2014080010 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Aug 13, 2020 |
| Property Address | 102 S CUMBERLAND ST, BEREA, KY 40403-1029 |
| Document Number | D00792/413 |
| Book / Page | D00792 / 413 |
| Map Reference | MB 2 PG 164 |
| Instrument Date | Jul 27, 2020 |
| Instrument | 2014018064 |
| Transaction Type | Transfer |
| Record Updated | Jun 28, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $149.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 228 VIEW POINT DR, 228, RICHMOND, KY 40475-8228 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 102 S CUMBERLAND ST, BEREA, KY 40403-1029 |
| Investor | Possibly a Property Investor |
| Document Number | 2014018065 |
|---|---|
| Date | Aug 13, 2020 |
| Instrument | 2014018065 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jun 19, 2019 |
| Property Address | 102 S CUMBERLAND ST, BEREA, KY 40403-1029 |
| Document Number | D00774/766 |
| Book / Page | D00774 / 766 |
| Map Reference | MB 2 PG 164 |
| Instrument Date | Jun 18, 2019 |
| Instrument | 2013994298 |
| Transaction Type | Transfer |
| Record Updated | Jun 28, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 229 VIEW POINT DR, RICHMOND, KY 40475-8228 |
The 2025 property tax bill for 102 S Cumberland St was $1,659.
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 | $1,659.00 | $176,000 | $176,000 |
| 2023 | $1,445.00 | $149,000 | $149,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 102 S Cumberland St in Zone X, an area of minimal flood risk.
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 |
| Flood Insurance Cost | Premium on File median of 10 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 10 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 risk around 102 S Cumberland St is low, with a 0.02% 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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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 234 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 · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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