Madison County property record for 1020 Mae Stephens Rd, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Lot Size | 1.54 acres (67,082 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $710 (2025) |
| Deeds & Mortgages | Jul 2023 Line of Credit Jun 2020 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0100-0000-0038-C |
| Primary APN | 0100-0000-0038-C |
|---|---|
| Alternative APNs |
|
| Lot Area | 67,082 sqft (1.54 acres) |
|---|
| Account Number | 72397 |
|---|---|
| Street Address | 1020 MAE STEPHENS RD |
| City | BEREA |
| State | KY |
| Zip | 40403-9677 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TRACT A-1 (1.54 ACRES) |
| Legal Subdivision | BIG HILL |
| Legal Tract | A-1 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 11102 |
Source: Madison County records, as of December 9, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1020 MAE STEPHENS RD, BEREA, KY 40403-9677 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 18, 2023 | Deed of Trust, Mortgage · Line of Credit WHITAKER BANK INC |
| Jun 16, 2020 | Intrafamily Transfer, Transfer |
| Mar 17, 2020 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jun 12, 2020 |
| Transfer Doc | D00789/284 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 1020 MAE STEPHENS RD, BEREA, KY 40403-9677 |
| Transaction Type | Mortgage |
| Record Updated | Aug 14, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1020 MAE STEPHENS RD, BEREA, KY 40403-9677 |
| Document Number | 0M2247/189 |
|---|---|
| Date | Jul 18, 2023 |
| Book Page | M2247/189 |
| Instrument | 2014157408 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Address | MINNEAPOLIS, MN 55439 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 11, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jun 16, 2020 |
| Property Address | 1020 MAE STEPHENS RD, BEREA, KY 40403-9677 |
| Document Number | D00789/284 |
| Book / Page | D00789 / 284 |
| Map Reference | VOL 29 PG 16 |
| Instrument Date | Jun 12, 2020 |
| Instrument | 2014014052 |
| Transaction Type | Transfer |
| Record Updated | Feb 17, 2023 |
| Tax | $10.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1026 MAE STEPHENS RD, BEREA, KY 40403-9677 |
| Name | Verified Name |
|---|---|
| Address | 1020 MAE STEPHENS RD, BEREA, KY 40403-9677 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Mar 17, 2020 |
| Property Address | 1020 MAE STEPHENS RD, BEREA, KY 40403-9677 |
| Document Number | D00785/643 |
| Book / Page | D00785 / 643 |
| Map Reference | CAB 29 PG 16 |
| Instrument Date | Mar 11, 2020 |
| Instrument | 2014009044 |
| Transaction Type | Transfer |
| Record Updated | Feb 17, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1020 MAE STEPHENS RD, BEREA, KY 40403-9677 |
| Name | Verified Name |
|---|---|
| Address | 1020 MAE STEPHENS RD, BEREA, KY 40403-9677 |
Source: Madison County assessment roll, as of December 9, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $710.00 (-6.08%) Homeowner's exemption | $118,200 (-) | $118,200 (-) |
| 2023 | $756.00 Homeowner's exemption | $118,200 | $118,200 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 9 (5% 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 | Moderate above 45% of the US · above 73% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.1% 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 58 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
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