104 Elkin St, Berea, KY 40403 Property Records

Madison County property record for 104 Elkin St, Berea, KY 40403 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	1,380 sqft
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (Mar 2026)
Tax Bill	$1,626 (2025)
Deeds & Mortgages	May 2018 Mortgage Apr 2007 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`B008-0017-0024`

Property Details

APN / Parcel Number

Primary APN	`B008-0017-0024`
Alternative APNs	`126678` `89542` `56268`

Interior

Stories	1 Story
Building Area	1,380 sqft Living Area

Exterior

Exterior Material	Aluminum/Vinyl
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Attached
Garage Area	216 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	56268
Street Address	104 ELKIN ST
City	BEREA
State	KY
Zip	40403-1121
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DIXIE HIGHWAY PARK LOT 2
Legal Subdivision	CITY BEREA
Legal Lot Number	2
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	3
Census Block	3005
Census Tract	11202

Owner

Source: Madison County records · APN B008-0017-0024

Assessment roll updated December 9, 2025 · Last verified April 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 File
Mailing Address	104 ELKIN ST, BEREA, KY 40403-1121
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
May 22, 2018	Deed of Trust, Mortgage LEXINGTON-FAYETTE URBAN COUNTY GOV
Apr 27, 2007	Deed of Trust, Mortgage · FHA Mortgage MAVERICK RESIDENTIAL MORTGAGE INC
Mar 25, 2026	Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL RESOURCES INC
Apr 14, 2022	Deed, Transfer · VA Mortgage EVERETT FINANCIAL INC
May 22, 2018	Warranty Deed, Transfer · FHA Mortgage LEXINGTON-FAYETTE URBAN COUNTY GOV
Mar 28, 2018	Deed, Transfer · Conventional Mortgage PRIME MORTGAGE LENDING INC
Feb 07, 2005	Deed, Transfer · ARM FIRST FRANKLIN FINANCIAL CORP

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 25, 2026 · Amount on Record
Deed Sale	Mar 25, 2026 · Amount on Record
Prior Sale	Apr 14, 2022 · Amount on Record
Deed Document Number	202614331489
Deed Book / Page	880 / 498
Prior Transfer Date	Mar 23, 2026
Prior Transfer Doc	0014331489
Record Updated	Jun 08, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	104 ELKIN ST, BEREA, KY 40403-1121
Transaction Type	Mortgage
Record Updated	Apr 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01804/329
Date	May 22, 2018
Book Page	M01804/329
Instrument	2013976057

Lender

Name	LEXINGTON-FAYETTE URBAN COUNTY GOV
Type	Government Agency
Address	FRANKFORT, KY 40601

Agreement

Amount	Amount Recorded
Term	121 Months
Due	Jun 01, 2028

April 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	104 ELKIN ST, BEREA, KY 40403-1121
Transaction Type	Mortgage
Record Updated	Apr 10, 2026
Title Company	ADVANCED LAND TITLE/LEXINGTON, ADVANCED LAND TITLE OF LEXIN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1176/165
Date	Apr 27, 2007
Book Page	M1176/165
Instrument	387230

Lender

Name	MAVERICK RESIDENTIAL MORTGAGE INC
Type	Mortgage Company
Address	FRISCO, TX 75034

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2037

March 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Mar 25, 2026
Property Address	104 ELKIN ST, BEREA, KY 40403-1121
Document Number	00D880/498
Book / Page	D880 / 498
Map Reference	MB 18 PG 234
Instrument Date	Mar 23, 2026
Instrument	2014331489
Transaction Type	Transfer
Record Updated	Apr 10, 2026
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	245 PALM HILL DR, RICHMOND, KY 40475-6840

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 ELKIN ST, BEREA, KY 40403-1121
Investor	Possibly a Property Investor

Mortgage

Document Number	2014331496
Date	Mar 25, 2026
Instrument	2014331496

Lender

Name	AMERICAN FINANCIAL RESOURCES INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Apr 01, 2051

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Apr 14, 2022
Property Address	104 ELKIN ST, BEREA, KY 40403-1121
Document Number	00D821/603
Book / Page	D821 / 603
Map Reference	MB 18 PG 234
Instrument Date	Apr 05, 2022
Instrument	2014086831
Transaction Type	Transfer
Record Updated	May 04, 2022
Title Company	JETT TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$172.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	167 HOLLY HILL DR, 167, RICHMOND, KY 40475-8641

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 ELKIN ST, BEREA, KY 40403-1121

Mortgage

Document Number	2014086832
Date	Apr 14, 2022
Instrument	2014086832

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2052

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	May 22, 2018
Property Address	104 ELKIN ST, BEREA, KY 40403-1121
Document Number	D00759/481
Book / Page	D00759 / 481
Map Reference	MB18 PG234
Instrument Date	May 16, 2018
Instrument	2013976055
Transaction Type	Transfer
Record Updated	Dec 17, 2021
Title Company	SPRINGDALE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$140.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	711 PAINT LICK RD, 711, BEREA, KY 40403-8117

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 ELKIN ST, BEREA, KY 40403-1121

Mortgage

Document Number	2013976056
Date	May 22, 2018
Instrument	2013976056

Lender

Name	LEXINGTON-FAYETTE URBAN COUNTY GOV
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2048

March 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Mar 28, 2018
Property Address	104 ELKIN ST, BEREA, KY 40403-1121
Document Number	D00757/334
Book / Page	D00757 / 334
Map Reference	MB18 PG234
Instrument Date	Dec 07, 2017
Instrument	2013973483
Transaction Type	Transfer
Record Updated	Dec 17, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$123.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2029 BROOKLYN BLVD APT 2, 2029, BEREA, KY 40403-2298

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 ELKIN ST, BEREA, KY 40403-1121

Mortgage

Document Number	2013973484
Date	Mar 28, 2018
Instrument	2013973484

Lender

Name	PRIME MORTGAGE LENDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Dec 01, 2047

February 2005: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Feb 07, 2005
Property Address	104 ELKIN ST, BEREA, KY 40403-1121
Document Number	0D0585/416
Book / Page	D0585 / 416
Map Reference	MB18 PG234
Instrument Date	Jan 31, 2005
Instrument	339763
Transaction Type	Transfer
Record Updated	Dec 17, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$106.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	104 ELKIN ST, 104, BEREA, KY 40403-1121

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 ELKIN ST, BEREA, KY 40403-1121

Mortgage

Document Number	0000339764
Date	Feb 07, 2005
Instrument	339764

Lender

Name	FIRST FRANKLIN FINANCIAL CORP
Type	Subprime Lender

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2035
Prepayment Penalty	00 Months

Interest

Rate Type	Adjustable Rate
Rate	7%
Type Change Date	Mar 01, 2007
Change Frequency	6 Months
Min Rate At Change	7%
Max Rate At Change	10%
Index	6-Month LIBOR
Margin	6
Max Rate	13%

Mortgage

Document Number	0M0996/018
Date	Feb 07, 2005
Book Page	M0996/018
Instrument	339765

Lender

Name	FIRST FRANKLIN FINANCIAL CORP
Type	Subprime Lender
Address	SAN JOSE, CA 95131

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 01, 2025

Tax Assessment & Valuation

Source: Madison County records · Assessment roll updated December 9, 2025 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,626.00 (-2.81%)	$172,500 (-)	$172,500 (-)
2023	$1,673.00	$172,500	$172,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Madison County (21151C), updated December 21, 2017 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211510112023, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 10 individual NFIP policies nearby
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	10 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 37% of Kentucky
Wildfire Likelihood	About 1 in 5,263 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 234 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Metronet Holdings	Fiber	5,120 / 5,120
Uniti Group	Fiber	2,000 / 2,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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