103 Clay Dr, Berea, KY 40403 Property Records

Madison County property record for 103 Clay Dr, Berea, KY 40403

Property Summary

Property Type	Commercial
Details	4,779 sqft
Owner	2 Individual Names on Record
Last Sale	$165,000 (Jul 2004)
Tax Bill	$3,158 (2025)
Deeds & Mortgages	Jan 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`B009-0004-0009`

Property Details

APN / Parcel Number

Primary APN	`B009-0004-0009`
Alternative APNs	`101562` `138803` `68837`

Interior

Building Area	4,779 sqft Total Area

Location & Zoning

Account Number	68837
Street Address	101 & 103 CLAY DR
State	KY
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	BURNAMWOOD LOT 1-4 BLK A (DBA TOBACCO SH
Legal Subdivision	BURNAMWOOD
Legal Block	A
Legal Lot Number	1-4
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	1
Census Block	1002
Census Tract	11201

Owner

Source: Madison County records, as of December 11, 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	103 CIRCLE DR, BEREA, KY 40403-1003
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2004 · Amount on Record
Deed Sale	Jul 9, 2004 · Amount on Record
Deed Document Number	0000576127
Record Updated	Jun 8, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	101 & 103 CLAY DR, KY
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01843/466
Date	Jan 18, 2019
Book Page	M01843/466
Instrument	2013987282

Lender

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

Agreement

Amount	Amount Recorded
Term	36 Months
Due	Jan 17, 2022

Tax Assessment & Valuation

Source: Madison County assessment roll, as of April 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
Municipality	Berea City
County	Madison County
Unified School District	Berea Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,158.00 (-0.63%) Additional exemption filed	$265,000 (+9.05%)	$265,000 (+9.05%)
2023	$3,178.00	$243,000	$243,000

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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	BEREA MUNICIPAL UTILITIES private · serves 9,972 people · EPA ID KY0760030
Water Source	Surface water
Last State Inspection	May 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 108 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20