Madison County property record for 103 Valley St, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.193 acres (8,448 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $125,000 (Mar 2021) |
| Tax Bill | $1,490 (2025) |
| Deeds & Mortgages | Mar 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | B007-0009-0012 |
| Primary APN | B007-0009-0012 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Lot Area | 8,448 sqft (0.193 acres) |
| Lot Dimensions | 132 ft deep x 64 ft wide |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Account Number | 67461 |
|---|---|
| Street Address | 103 VALLEY ST |
| City | BEREA |
| State | KY |
| Zip | 40403-1626 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 0.19 ACRES |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 11301 |
Source: Madison County records, as of March 9, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1960 GUYNN RD, PAINT LICK, KY 40461-8404 |
| Owner Type | Individual |
| Vesting | Life Estate |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 31, 2021 · Amount on Record |
| Deed Sale | Mar 31, 2021 · Amount on Record |
| Deed Document Number | 20212014032610 |
| Deed Book / Page | 803 / 109 |
| Last Transfer Date | Apr 4, 2025 |
| Transfer Doc | 00D866/742 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Mar 31, 2021 |
| Property Address | 103 VALLEY ST, BEREA, KY 40403-1626 |
| Document Number | 00D803/109 |
| Book / Page | D803 / 109 |
| Instrument Date | Mar 25, 2021 |
| Instrument | 2014032610 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $125.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 602 BROWN RD, 602, MOUNT VERNON, KY 40456-7518 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 103 VALLEY ST, BEREA, KY 40403-1626 |
| Document Number | 2014032611 |
|---|---|
| Date | Mar 31, 2021 |
| Instrument | 2014032611 |
| Name | ARK-LA-TEX FINANCIAL SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
Source: Madison County assessment roll, as of December 9, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| Municipality | Berea City |
| County | Madison County |
| Unified School District | Berea Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,490.00 (-8.87%) | $125,000 (-) | $125,000 (-) |
| 2023 | $1,635.00 | $125,000 | $125,000 |
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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 3 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 | Low lower than 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.02% 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.
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 74 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 | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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