1028 Moonlight Dr, Berea, KY 40403 Property Records

Madison County property record for 1028 Moonlight Dr, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Details	1,419 sqft
Lot Size	1.37 acres (59,677 sqft)
Owner	2 Individual Names on Record
Last Sale	$64,231 (Jun 2015)
Tax Bill	$1,593 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Nov 2023 Line of Credit + 1 more
Flood Zone	Zone A (high risk)
APN	`0073-0003-0008`

Property Details

APN / Parcel Number

Primary APN	`0073-0003-0008`
Alternative APNs	`130384` `93237` `60180`

Interior

Stories	1 Story
Building Area	1,419 sqft Living Area

Exterior

Exterior Material	Brick
Lot Area	59,677 sqft (1.37 acres)
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	60180
Street Address	1028 MOONLIGHT DR
City	BEREA
State	KY
Zip	40403-9239
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SHADOWBROOK LOT 8
Legal Subdivision	SHADOWBROOK
Legal Lot Number	8
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	1
Census Block	1003
Census Tract	11101

Owner

Source: Madison County records, as of December 8, 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	1030 ROYAL CREST DR, RICHMOND, KY 40475-8823
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2023	Deed of Trust, Mortgage · Commercial Mortgage 1ST TRUST BANK INC
Nov 6, 2023	Deed of Trust, Mortgage · Line of Credit 1ST TRUST BANK INC
Jun 26, 2023	Deed of Trust, Mortgage · Line of Credit 1ST TRUST BANK INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 19, 2015 · Amount on Record
Deed Sale	Jun 19, 2015 · Amount on Record
Deed Document Number	0000717541
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	1028 MOONLIGHT DR, BEREA, KY 40403-9239
Transaction Type	Mortgage
Record Updated	Nov 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1030 ROYAL CREST DR, RICHMOND, KY 40475-8823

Mortgage

Document Number	0M2268/464
Date	Nov 6, 2023
Book Page	M2268/464
Instrument	2014175956

Lender

Name	1ST TRUST BANK INC
Type	Bank
Address	RICHMOND, KY 40475

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	23 Months
Due	Oct 23, 2025

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	1028 MOONLIGHT DR, BEREA, KY 40403-9239
Transaction Type	Mortgage
Record Updated	Nov 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1030 ROYAL CREST DR, RICHMOND, KY 40475-8823

Mortgage

Document Number	0M2268/494
Date	Nov 6, 2023
Book Page	M2268/494
Instrument	2014175958

Lender

Name	1ST TRUST BANK INC
Type	Bank
Address	RICHMOND, KY 40475

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	23 Months
Due	Oct 23, 2025

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	1028 MOONLIGHT DR, BEREA, KY 40403-9239
Transaction Type	Mortgage
Record Updated	Jul 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1030 ROYAL CREST DR, RICHMOND, KY 40475-8823

Mortgage

Document Number	0M2242/593
Date	Jun 26, 2023
Book Page	M2242/593
Instrument	2014152843

Lender

Name	1ST TRUST BANK INC
Type	Bank
Address	RICHMOND, KY 40475

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	24 Months
Due	Jun 22, 2025

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Madison County assessment roll, as of April 1, 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	$1,593.00 (+23.01%) Additional exemption filed	$169,000 (+26.5%)	$169,000 (+26.5%)
2023	$1,295.00	$133,600	$133,600

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Community Rating System	Class 9 (5% 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 62% of the US · above 68% of Kentucky
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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 19 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Windstream.

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