Madison County property record for 1032 Vineyard Way, Berea, KY 40403
| Property Type | Other |
|---|---|
| Owner | Individual Name on Record |
| Last Sale | $375,000 (Aug 2023) |
| Tax Bill | $3,536 (2025) |
| Deeds & Mortgages | Jul 2022 Construction Loan Aug 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0073-0032-0052 |
| Primary APN | 0073-0032-0052 |
|---|---|
| Alternative APNs |
|
| Account Number | 60900 |
|---|---|
| Street Address | 1032 VINEYARD WAY |
| City | BEREA |
| State | KY |
| Zip | 40403-9184 |
| Property Category | Other |
| Property Type | Other > Miscellaneous |
| Legal Description | VINEYARD ESTS LOT 52 |
| Legal Subdivision | VINEYARD |
| Legal Lot Number | 52 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 1 |
| Census Block | 1090 |
| Census Tract | 11202 |
Source: Madison County records, as of December 8, 2025
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 | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 1032 VINEYARD WAY, BEREA, KY 40403-9184 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 27, 2022 | Deed of Trust, Mortgage · Construction Mortgage FIRST NATIONAL BANK RUSSELL SPRINGS |
| Aug 30, 2023 | Deed, Subdivision Related Transfer · FHA Mortgage LOWER LLC |
| May 24, 2022 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 30, 2023 · Amount on Record |
| Deed Sale | Aug 30, 2023 · Amount on Record |
| Prior Sale | May 24, 2022 · Amount on Record |
| Deed Document Number | 2014164273 |
| Deed Book / Page | D842 / 709 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 1032 VINEYARD WAY, BEREA, KY 40403-9184 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2024 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0M2178/572 |
|---|---|
| Date | Jul 27, 2022 |
| Book Page | M2178/572 |
| Instrument | 2014103509 |
| Name | FIRST NATIONAL BANK RUSSELL SPRINGS |
|---|---|
| Type | Bank |
| Address | RUSSELL SPRINGS, KY 42642 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jul 27, 2023 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Aug 30, 2023 |
| Property Address | 1032 VINEYARD WAY, BEREA, KY 40403-9184 |
| Document Number | 00D842/709 |
| Book / Page | D842 / 709 |
| Map Reference | MB 30 PG 42 |
| Instrument Date | Aug 28, 2023 |
| Instrument | 2014164273 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 2, 2024 |
| Title Company | BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $375.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1894, RICHMOND, KY 40476-1894 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 1032 VINEYARD WAY, BEREA, KY 40403-9184 |
| Mail Care Of | WESLEY J MCCARTY AND MELISSA L MCCARTY |
| Document Number | 2014164276 |
|---|---|
| Date | Aug 30, 2023 |
| Instrument | 2014164276 |
| Name | LOWER LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | May 24, 2022 |
| Property Address | 1032 VINEYARD WAY, BEREA, KY 40403-9184 |
| Document Number | 00D823/582 |
| Book / Page | D823 / 582 |
| Map Reference | MB 30 PG 42 |
| Instrument Date | May 19, 2022 |
| Instrument | 2014093415 |
| Transaction Type | Transfer |
| Record Updated | Feb 2, 2024 |
| Amount | Amount Recorded |
|---|---|
| Tax | $38.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1604 MERLOT CT, BEREA, KY 40403-8049 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 1894, BEREA, KY 40403-3894 |
Source: Madison County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| Municipality | Berea City |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,536.00 (+860.87%) Additional exemption filed | $375,000 (+886.84%) | $375,000 (+886.84%) |
| 2023 | $368.00 (+89.69%) | $38,000 (+9%) | $38,000 (+9%) |
| 2022 | $194.00 | $20,000 | $20,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | 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 65% of the US · above 67% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.04% 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 136 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 |
| Verizon Fixed Wireless | 300 / 20 |
| Windstream DSL · Fiber in parts of the area | 200 / 20 |
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