1028 Mae Stephens Rd, Berea, KY 40403 Property Records

Madison County property record for 1028 Mae Stephens Rd, Berea, KY 40403 · Last verified December 2025

Property Summary

Property Type	Other
Lot Size	1.08 acres (47,045 sqft)
Owner	2 Individual Names on File
Tax Bill	$959 (2025)
Deeds & Mortgages	May 2026 Mortgage Nov 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0100-0000-0038-C-02`

Property Details

APN / Parcel Number

Primary APN	`0100-0000-0038-C-02`
Alternative APNs	`104909` `142228` `72399`

Exterior

Lot Area	47,045 sqft (1.08 acres)

Location & Zoning

Account Number	72399
Street Address	1028 MAE STEPHENS RD
City	BEREA
State	KY
Zip	40403-9677
Property Category	Other
Property Type	Other > Miscellaneous
Legal Description	TRACT A-3 (1.08 ACRES)
Legal Tract	A-3
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	1
Census Block	1024
Census Tract	11102

Owner

Source: Madison County records · APN 0100-0000-0038-C-02

Assessment roll updated April 1, 2025 · Last verified December 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 File
Mailing Address	1020 MAE STEPHENS RD, BEREA, KY 40403-9677
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2026	Deed of Trust, Mortgage · Conventional Mortgage WHITAKER BANK INC
Nov 04, 2025	Deed of Trust, Mortgage · Conventional Mortgage WHITAKER BANK INC
Sep 16, 2020	Deed of Trust, Mortgage PEOPLES BANK & TRUST CO OF PICKETT CO
Jul 23, 2021	Deed of Trust, Mortgage WHITAKER BANK INC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Deed Document Number	0000789284
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Recording Date	May 19, 2026
Property Address	1028 MAE STEPHENS RD, BEREA, KY 40403-9677
Document Number	0014349835
Book / Page	2469 / 508
Instrument Date	May 18, 2026
Instrument	202614349835
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1028 MAE STEPHENS RD, BEREA, KY 40403-9677
Investor	Possibly a Property Investor

Mortgage

Document Number	0014349835,
Date	May 19, 2026
Book Page	2469/508
Instrument	202614349835

Lender

Name	WHITAKER BANK INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jun 01, 2031

Interest

Rate	6.3%
Max Rate	-1%

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	1028 MAE STEPHENS RD, BEREA, KY 40403-9677
Transaction Type	Mortgage
Record Updated	Nov 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M2422/43
Date	Nov 04, 2025
Book Page	M2422/43
Instrument	2014296848

Lender

Name	WHITAKER BANK INC
Type	Bank
Address	LEXINGTON, KY 40555

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 01, 2030
Change Frequency	Annually
Min Rate At Change	5.87%
Max Rate At Change	7.87%
Index	1-Year CMT
Max Rate	11.8%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	1028 MAE STEPHENS RD, BEREA, KY 40403-9677
Transaction Type	Mortgage
Record Updated	Oct 15, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01978/710
Date	Sep 16, 2020
Book Page	M01978/710
Instrument	2014020407

Lender

Name	PEOPLES BANK & TRUST CO OF PICKETT CO
Type	Bank
Address	BEREA, KY 40403

Agreement

Amount	Amount Recorded

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	1028 MAE STEPHENS RD, BEREA, KY 40403-9677
Transaction Type	Mortgage
Record Updated	Feb 02, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1028 MAE STEPHENS RD, BEREA, KY 40403-9677

Mortgage

Document Number	0M2074/653
Date	Jul 23, 2021
Book Page	M2074/653
Instrument	2014045401

Lender

Name	WHITAKER BANK INC
Type	Bank
Address	MINNEAPOLIS, MN 55439

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Madison County records · Assessment roll updated April 1, 2025 · Last verified December 2025

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$959.00 (+2.35%) Additional exemption filed	$96,600 (-)	$96,600 (-)
2023	$937.00	$96,600	$96,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Madison County (21151C), updated December 21, 2017 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211510111021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	9 in force

Wildfire

Wildfire Risk	Moderate above 45% of the US · above 74% of Kentucky
Wildfire Likelihood	About 1 in 1,031 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 58 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Uniti Group	Fiber	2,000 / 2,000
Spectrum	Cable	1,000 / 1,000

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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