Madison County property record for 104 Commerce Dr, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $275,000 (Aug 2026) |
| Tax Bill | $1,790 (2025) |
| Deeds & Mortgages | Aug 2026 Sale Oct 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0048-0000-0027-ZAH |
| Primary APN | 0048-0000-0027-ZAH |
|---|---|
| Alternative APNs |
|
| Lot Area | 9,583 sqft (0.22 acres) |
|---|
| Account Number | 40057 |
|---|---|
| Street Address | 104 COMMERCE DR |
| City | BEREA |
| State | KY |
| Zip | 40403-8870 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | INTERSTATE BUSINESS CENTER LOT 33 |
| Legal Subdivision | INTERSTATE BUS CNTR |
| Legal Lot Number | 33 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 11401 |
Source: Madison County records, as of August 28, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 104 COMMERCE DR, BEREA, KY 40403-8870 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 17, 2026 | Deed, Transfer NONE LISTED ON DOCUMENT |
| Oct 1, 2020 | Deed of Trust, Mortgage PEOPLES BANK & TRUST CO OF MADISON CNTY |
| Nov 30, 2020 | Deed, Transfer · Conventional Mortgage ARK-LA-TEX FINANCE SERVICES LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 17, 2026 · Amount on Record |
| Deed Sale | Aug 17, 2026 · Amount on Record |
| Prior Sale | Nov 30, 2020 · Amount on Record |
| Deed Document Number | 202614369202 |
| Deed Book / Page | 887 / 195 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Aug 17, 2026 |
| Property Address | 104 COMMERCE DR, BEREA, KY 40403-8870 |
| Document Number | 0014369202 |
| Book / Page | 887 / 195 |
| Instrument Date | Aug 5, 2026 |
| Instrument | 202614369202 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $27,775.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 104 COMMERCE DR, BEREA, KY 40403-8870 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 104 COMMERCE DR, BEREA, KY 40403-8870 |
| Transaction Type | Mortgage |
| Record Updated | Dec 17, 2021 |
| Name | Verified Name |
|---|
| Document Number | M01982/730 |
|---|---|
| Date | Oct 1, 2020 |
| Book Page | M01982/730 |
| Instrument | 2014021353 |
| Name | PEOPLES BANK & TRUST CO OF MADISON CNTY |
|---|---|
| Type | Bank |
| Address | BEREA, KY 40403 |
| Amount | Amount Recorded |
|---|---|
| Term | 12 Months |
| Due | Sep 30, 2021 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Nov 30, 2020 |
| Property Address | 104 COMMERCE DR, BEREA, KY 40403-8870 |
| Document Number | D00797/639 |
| Book / Page | D00797 / 639 |
| Map Reference | CAB 21 SL 315 |
| Instrument Date | Nov 18, 2020 |
| Instrument | 2014024946 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $190.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 382, BEREA, KY 40403-0382 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 104 COMMERCE DR, BEREA, KY 40403-8870 |
| Document Number | 2014024947 |
|---|---|
| Date | Nov 30, 2020 |
| Instrument | 2014024947 |
| Name | ARK-LA-TEX FINANCE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
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 | $1,790.00 (-2.82%) | $189,900 (-) | $189,900 (-) |
| 2023 | $1,842.00 | $189,900 | $189,900 |
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 |
|---|---|
| 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 | 0.03% annual chance |
| Exposure | Indirect within ember reach |
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 127 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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