1020 Jd Cir, Berea, KY 40403 Property Records

Madison County property record for 1020 Jd Cir, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Details	1,840 sqft
Lot Size	0.23 acres (10,031 sqft)
Owner	Individual Name on File
Last Sale	$289,000 (May 2025)
Tax Bill	$2,074 (2025)
Deeds & Mortgages	Jun 2026 Transfer Mar 2022 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`0073-0005-0006`

Property Details

APN / Parcel Number

Primary APN	`0073-0005-0006`
Alternative APNs	`102769` `140044` `68629`

Interior

Stories	1 Story
Building Area	1,840 sqft Living Area

Exterior

Exterior Material	Brick Veneer
Lot Area	10,031 sqft (0.23 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	68629
Street Address	1020 JD CIR
City	BEREA
State	KY
Zip	40403-9131
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BUSH BOTTOM ESTS LOT 6
Legal Subdivision	BUSH BOTTOM
Legal Lot Number	6
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	3
Census Block	3002
Census Tract	11101

Owner

1020 Jd Cir is owned and occupied by an individual who acquired it in June 2026.

Source: Madison County records, as of June 30, 2026

Owner of Record	Individual Name on File
Mailing Address	1020 JD CIR, BEREA, KY 40403-9131
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2026	Quit Claim Deed, Transfer BLUEGRASS LAND TITLE
Mar 8, 2022	Warranty Deed, Transfer · FHA Mortgage RENASANT BANK
Oct 10, 2019	Deed of Trust, Mortgage · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Apr 11, 2019	Deed of Trust, Mortgage · Conventional Mortgage ARK-LA-TEX FINANCE SERVICES LLC
Apr 3, 2018	Warranty Deed, Transfer
Jan 22, 2019	Deed, Transfer · Line of Credit PEOPLES BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 22, 2025 · Amount on File
Deed Sale	May 22, 2025 · Amount on File
Prior Sale	Mar 8, 2022 · Amount on File
Deed Document Number	202514262519
Deed Book / Page	868 / 10
Last Transfer Date	Jun 19, 2026
Transfer Doc	0014357432
Record Updated	Sep 20, 2026

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MADISON KY
Recording Date	Jun 23, 2026
Property Address	1020 JD CIR, BEREA, KY 40403-9131
Document Number	0014357432
Book / Page	884 / 402
Instrument Date	Jun 19, 2026
Instrument	202614357432
Transaction Type	Transfer
Record Updated	Aug 30, 2026
Title Company	BLUEGRASS LAND TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1020 JD CIR, BEREA, KY 40403-9131

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Mar 8, 2022
Property Address	1020 JD CIR, BEREA, KY 40403-9131
Document Number	00D819/635
Book / Page	D819 / 635
Map Reference	CAB 13 SL 194
Instrument Date	Feb 28, 2022
Instrument	2014080499
Transaction Type	Transfer
Record Updated	Mar 25, 2022
Title Company	SPRINGDALE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$220.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10 SHERI CT, 10, MOWEAQUA, IL 62550-9488

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	1020 JD CIR, BEREA, KY 40403-9131

Mortgage

Document Number	2014080500
Date	Mar 8, 2022
Instrument	2014080500

Lender

Name	RENASANT BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2052

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	1020 JD CIR, BEREA, KY 40403-9131
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01893/538
Date	Oct 10, 2019
Book Page	M01893/538
Instrument	2014000435

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2049

Interest

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	1020 JD CIR, BEREA, KY 40403-9131
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01856/648
Date	Apr 11, 2019
Book Page	M01856/648
Instrument	2013990854

Lender

Name	ARK-LA-TEX FINANCE SERVICES LLC
Type	Lending Institution
Address	PLANO, TX 75024

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Apr 3, 2018
Property Address	1020 JD CIR, BEREA, KY 40403-9131
Document Number	D00757/526
Book / Page	D00757 / 526
Map Reference	CAB13 SL194
Instrument Date	Apr 3, 2018
Instrument	2013973774
Transaction Type	Transfer
Record Updated	Dec 17, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	425 PEPPER DR, 425, BEREA, KY 40403-8037

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 PEPPER DR, BEREA, KY 40403-8037

January 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Jan 22, 2019
Property Address	1020 JD CIR, BEREA, KY 40403-9131
Document Number	D00769/181
Book / Page	D00769 / 181
Map Reference	CAB 13 SL 194
Instrument Date	Jan 15, 2018
Instrument	2013987389
Transaction Type	Transfer
Record Updated	Dec 17, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$157.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	425 PEPPER DR, 425, BEREA, KY 40403-8037

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	217 LEXINGTON ST, LANCASTER, KY 40444-1130

Mortgage

Document Number	2013987390
Date	Jan 22, 2019
Instrument	2013987390

Lender

Name	PEOPLES BANK & TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 1020 Jd Cir was $2,074.

Source: Madison County assessment roll, as of December 9, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,074.00	$220,000	$220,000
2023	$2,134.00	$220,000	$220,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1020 Jd Cir 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	4 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

Wildfire risk around 1020 Jd Cir is low, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · above 66% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 47 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000

May also be available: Windstream.

Nearby Properties on Jd Cir

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