Madison County property record for 1035 Peggy Flat Rd, Berea, KY 40403
| Property Type | Farm - Irrigated or Dry |
|---|---|
| Lot Size | 26.1 acres (1,139,704 sqft) |
| Owner | Individual Name on File |
| Last Sale | $40,000 (Jan 2022) |
| Tax Bill | $122 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Oct 2021 Line of Credit + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0060-0000-0001 |
| Primary APN | 0060-0000-0001 |
|---|---|
| Alternative APNs |
|
| Lot Area | 1,139,704 sqft (26.1 acres) |
|---|
| Account Number | 71519 |
|---|---|
| Street Address | 1035 PEGGY FLAT RD |
| City | BEREA |
| State | KY |
| Zip | 40403 |
| Property Category | Agriculture or Farming |
| Property Type | Agriculture / Farming > Farm - Irrigated or Dry |
| Legal Description | TRACT B (26.164 ACRES) |
| Legal Subdivision | LESTER G STEWART |
| Legal Tract | B |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 11402 |
1035 Peggy Flat Rd, an agricultural property, is owned by an individual who bought it in January 2022.
Source: Madison County records, as of December 9, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 305 COUNTRY ESTATES RD, PAINT LICK, KY 40461-8502 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 2, 2020 | Deed of Trust, Mortgage PEOPLES BANK & TRUST CO OF MADISON CNTY |
| Oct 15, 2021 | Deed of Trust, Mortgage · Line of Credit WHITAKER BANK INC |
| Dec 3, 2024 | Deed of Trust, Mortgage · Line of Credit WHITAKER BANK INC |
| Nov 21, 2023 | Deed of Trust, Mortgage · Line of Credit WHITAKER BANK INC |
| Feb 22, 2022 | Deed, Transfer |
| Jul 26, 2021 | Deed, Transfer |
| Dec 6, 2018 | Deed, Transfer PEOPLES BANK & TRUST CO OF MADISON |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 25, 2022 · Amount on File |
| Deed Sale | Jan 25, 2022 · Amount on File |
| Prior Sale | Jul 26, 2021 · Amount on File |
| Deed Document Number | 202214074104 |
| Deed Book / Page | 817 / 555 |
| Prior Transfer Date | Jul 23, 2021 |
| Prior Transfer Doc | 000D809/27 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 1035 PEGGY FLAT RD, BEREA, KY 40403 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2025 |
| Name | Verified Name |
|---|
| Document Number | M02000/286 |
|---|---|
| Date | Dec 2, 2020 |
| Book Page | M02000/286 |
| Instrument | 2014025070 |
| Name | PEOPLES BANK & TRUST CO OF MADISON CNTY |
|---|---|
| Type | Bank |
| Address | BEREA, KY 40403 |
| Amount | Amount on Record |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 1035 PEGGY FLAT RD, BEREA, KY 40403 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2025 |
| Name | Verified Name |
|---|---|
| Address | 305 COUNTRY ESTATES RD, PAINT LICK, KY 40461-8502 |
| Document Number | 00M2101/84 |
|---|---|
| Date | Oct 15, 2021 |
| Book Page | M2101/84 |
| Instrument | 2014058642 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Address | MINNEAPOLIS, MN 55439 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 1035 PEGGY FLAT RD, BEREA, KY 40403 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2025 |
| Name | Verified Name |
|---|---|
| Address | 305 COUNTRY ESTATES RD, PAINT LICK, KY 40461-8502 |
| Document Number | 0M2344/107 |
|---|---|
| Date | Dec 3, 2024 |
| Book Page | M2344/107 |
| Instrument | 2014235092 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40555 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 11 Months |
| Due | Nov 29, 2025 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 1035 PEGGY FLAT RD, BEREA, KY 40403 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2025 |
| Name | Verified Name |
|---|---|
| Address | 305 COUNTRY ESTATES RD, PAINT LICK, KY 40461-8502 |
| Document Number | 0M2270/683 |
|---|---|
| Date | Nov 21, 2023 |
| Book Page | M2270/683 |
| Instrument | 2014178554 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40555 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Nov 17, 2024 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Feb 22, 2022 |
| Property Address | 1035 PEGGY FLAT RD, BEREA, KY 40403 |
| Document Number | 00D818/655 |
| Book / Page | D818 / 655 |
| Map Reference | CAB 30 SL 67 |
| Instrument Date | Feb 17, 2022 |
| Instrument | 2014078242 |
| Transaction Type | Transfer |
| Record Updated | Dec 9, 2025 |
| Amount | Amount on Record |
|---|---|
| Tax | $40.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 130, MANCHESTER, KY 40962-0130 |
| Name | Verified Name |
|---|---|
| Address | 305 COUNTRY ESTATES RD, PAINT LICK, KY 40461-8502 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jul 26, 2021 |
| Property Address | 1035 PEGGY FLAT RD, BEREA, KY 40403 |
| Document Number | 000D809/27 |
| Book / Page | D809 / 27 |
| Map Reference | CAB 29 SL 357 |
| Instrument Date | Jul 23, 2021 |
| Instrument | 2014045541 |
| Transaction Type | Transfer |
| Record Updated | Dec 9, 2025 |
| Amount | Amount on Record |
|---|---|
| Tax | $36.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 305 COUNTRY ESTATES RD, PAINT LICK, KY 40461-8502 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Dec 6, 2018 |
| Property Address | 1035 PEGGY FLAT RD, BEREA, KY 40403 |
| Document Number | D00767/571 |
| Book / Page | D00767 / 571 |
| Instrument Date | Dec 5, 2018 |
| Instrument | 2013985589 |
| Transaction Type | Transfer |
| Record Updated | Dec 9, 2025 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $300.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3245 LANCASTER RD, RICHMOND, KY 40475-9652 |
| Name | Verified Name |
|---|---|
| Address | 305 COUNTRY ESTATES RD, PAINT LICK, KY 40461-8502 |
| Document Number | 2013985590 |
|---|---|
| Date | Dec 6, 2018 |
| Instrument | 2013985590 |
| Name | PEOPLES BANK & TRUST CO OF MADISON |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|
The 2025 property tax bill for 1035 Peggy Flat Rd was $122.
Source: Madison County assessment roll, as of December 9, 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 | $122.00 | $13,000 | $13,000 |
| 2023 | $1,600.00 | $165,000 | $165,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 1035 Peggy Flat Rd in Zone X, an area of minimal flood risk.
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 | 1 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 risk around 1035 Peggy Flat Rd is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · above 67% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
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 126 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Windstream DSL · Fiber in parts of the area | 100 / 20 |
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