Madison County property record for 102 Scruggs St, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 1,144 sqft |
| Lot Size | 0.341 acres (14,863 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $190,000 (Apr 2024) |
| Tax Bill | $1,791 (2025) |
| Deeds & Mortgages | Apr 2024 Sale & Mortgage Dec 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | B008-0021-0010 |
| Primary APN | B008-0021-0010 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,144 sqft Living Area |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Lot Area | 14,863 sqft (0.341 acres) |
| Account Number | 69525 |
|---|---|
| Street Address | 102 SCRUGGS ST |
| City | BEREA |
| State | KY |
| Zip | 40403-1231 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DIXIE HIGHWAY PARK LOT 255, 256. 257 & 2 |
| Legal Subdivision | DIXIE HWY |
| Legal Lot Number | 255,256 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 11202 |
102 Scruggs St is owned and occupied by two individuals who bought it in April 2024.
Source: Madison County records, as of August 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 102 SCRUGGS ST, BEREA, KY 40403-1231 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | His Wife |
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 |
|---|---|
| Apr 23, 2024 | Deed, Transfer · Conventional Mortgage US BANK NA |
| Dec 14, 2020 | Deed, Transfer · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 23, 2024 · Amount on File |
| Deed Sale | Apr 23, 2024 · Amount on File |
| Prior Sale | Dec 14, 2020 · Amount on File |
| Deed Document Number | 202414200301 |
| Deed Book / Page | 851 / 356 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Apr 23, 2024 |
| Property Address | 102 SCRUGGS ST, BEREA, KY 40403-1231 |
| Document Number | 00D851/356 |
| Book / Page | D851 / 356 |
| Map Reference | MB 1 PG 17 |
| Instrument Date | Apr 19, 2024 |
| Instrument | 2014200301 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2024 |
| Title Company | BLUEGRASS LAND TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $190.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 167 REDWOOD DR, RICHMOND, KY 40475-8538 |
| Name | Verified Name |
|---|---|
| Address | 102 SCRUGGS ST, BEREA, KY 40403-1231 |
| Document Number | 2014200304 |
|---|---|
| Date | Apr 23, 2024 |
| Instrument | 2014200304 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2054 |
| Document Number | 0M2294/617 |
|---|---|
| Date | Apr 23, 2024 |
| Book Page | M2294/617 |
| Instrument | 2014200327 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Amount | Amount on Record |
|---|---|
| Term | 361 Months |
| Due | May 1, 2054 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Dec 14, 2020 |
| Property Address | 102 SCRUGGS ST, BEREA, KY 40403-1231 |
| Document Number | D00798/400 |
| Book / Page | D00798 / 400 |
| Map Reference | MB 1 PG 17 |
| Instrument Date | Dec 10, 2020 |
| Instrument | 2014025809 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $130.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 335 WYLDWOOD WAY, 335, BEREA, KY 40403-8109 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 102 SCRUGGS ST, BEREA, KY 40403-1231 |
| Document Number | 2014025810 |
|---|---|
| Date | Dec 14, 2020 |
| Instrument | 2014025810 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
The 2025 property tax bill for 102 Scruggs St was $1,791.
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 | $1,791.00 | $190,000 | $190,000 |
| 2023 | $1,309.00 | $135,000 | $135,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 102 Scruggs 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 Scruggs St 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 | 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BEREA MUNICIPAL UTILITIES private · serves 9,972 people · EPA ID KY0760030 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2023 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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.
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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