1021 Jd Cir, Berea, KY 40403 Property Records

Madison County property record for 1021 Jd Cir, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Details	1,348 sqft
Lot Size	0.204 acres (8,887 sqft)
Owner	2 Individual Names on Record
Last Sale	$220,000 (Oct 2022)
Tax Bill	$1,611 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Oct 2022 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0073-0005-0063`

Property Details

APN / Parcel Number

Primary APN	`0073-0005-0063`
Alternative APNs	`129783` `81651` `59582`

Interior

Stories	1 Story
Building Area	1,348 sqft Living Area

Exterior

Exterior Material	Brick Veneer
Lot Area	8,887 sqft (0.204 acres)
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	59582
Street Address	1021 JD CIR
City	BEREA
State	KY
Zip	40403-9131
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BUSH BOTTOM ESTS LOT 63
Legal Subdivision	BUSH BOTTOM
Legal Lot Number	63
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	3
Census Block	3001
Census Tract	11101

Owner

Source: Madison County records, as of July 8, 2026

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	1021 JD CIR, BEREA, KY 40403-9131
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2026	Deed of Trust, Mortgage · Line of Credit WHITAKER BANK INC
Oct 21, 2022	Deed, Transfer
Aug 5, 2020	Deed, Transfer · Conventional Mortgage NEIGHBORS BANK
Apr 19, 2019	Deed, Transfer · ARM COMMONWEALTH CU INC
Jan 22, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 21, 2022 · Amount on Record
Deed Sale	Oct 21, 2022 · Amount on Record
Prior Sale	Aug 5, 2020 · Amount on Record
Deed Document Number	202214116732
Deed Book / Page	830 / 534
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Recording Date	Jun 30, 2026
Property Address	1021 JD CIR, BEREA, KY 40403-9131
Document Number	0014359239
Book / Page	2480 / 187
Instrument Date	Jun 25, 2026
Instrument	202614359239
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1021 JD CIR, BEREA, KY 40403-9131

Mortgage

Document Number	0014359239,
Date	Jun 30, 2026
Book Page	2480/187
Instrument	202614359239

Lender

Name	WHITAKER BANK INC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jun 25, 2041

Interest

Rate	5.87%
Max Rate	-1%

October 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Oct 21, 2022
Property Address	1021 JD CIR, BEREA, KY 40403-9131
Document Number	00D830/534
Book / Page	D830 / 534
Map Reference	CAB 13 SL 194
Instrument Date	Oct 18, 2022
Instrument	2014116732
Transaction Type	Transfer
Record Updated	Nov 4, 2022

Transaction

Amount	Amount Recorded
Tax	$220.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 54983, LEXINGTON, KY 40555-4983

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1021 JD CIR, BEREA, KY 40403-9131

August 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Aug 5, 2020
Property Address	1021 JD CIR, BEREA, KY 40403-9131
Document Number	D00791/711
Book / Page	D00791 / 711
Map Reference	CAB 13 SL 194
Instrument Date	Jul 29, 2020
Instrument	2014017372
Transaction Type	Transfer
Record Updated	Dec 17, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$165.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3412 LAREDO DR, 3412, LEXINGTON, KY 40517-2112

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1021 JD CIR, BEREA, KY 40403-9131

Mortgage

Document Number	2014017373
Date	Aug 5, 2020
Instrument	2014017373

Lender

Name	NEIGHBORS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

April 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Apr 19, 2019
Property Address	1021 JD CIR, BEREA, KY 40403-9131
Document Number	D00772/416
Book / Page	D00772 / 416
Map Reference	CAB 13 SL 194
Instrument Date	Apr 17, 2019
Instrument	2013991235
Transaction Type	Transfer
Record Updated	Dec 17, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$160.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	590 WALTER LAKES RD, 590, WACO, KY 40385-9534

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1021 JD CIR, BEREA, KY 40403-9131

Mortgage

Document Number	2013991236
Date	Apr 19, 2019
Instrument	2013991236

Lender

Name	COMMONWEALTH CU INC
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2029
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	6.12%
Index	1-Year CMT
Max Rate	10.1%

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Jan 22, 2019
Property Address	1021 JD CIR, BEREA, KY 40403-9131
Document Number	D00769/199
Book / Page	D00769 / 199
Map Reference	CAB 13 SL 194
Instrument Date	Jan 18, 2019
Instrument	2013987428
Transaction Type	Transfer
Record Updated	Dec 17, 2021

Transaction

Amount	Amount Recorded
Tax	$95.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 745, RICHMOND, KY 40476-0745

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	590 WALTER LAKES RD, WACO, KY 40385-9534

Tax Assessment & Valuation

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	$1,611.00 (-4.33%) Homeowner's exemption	$220,000 (-)	$220,000 (-)
2023	$1,684.00 Homeowner's exemption	$220,000	$220,000

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

Flood

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

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.

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