Madison County property record for 104 Madison St, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 1,161 sqft |
| Owner | Individual Name on Record |
| Last Sale | $79,000 (Oct 2005) |
| Tax Bill | $715 (2025) |
| Deeds & Mortgages | Aug 2026 Line of Credit Jun 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | B009-0014-0006 |
| Primary APN | B009-0014-0006 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,161 sqft Living Area |
| Exterior Material | Brick Veneer |
|---|
| Account Number | 58673 |
|---|---|
| Street Address | 104 MADISON ST |
| City | BEREA |
| State | KY |
| Zip | 40403-1204 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | JACKSON LOT 17 BLK H |
| Legal Subdivision | JACKSON ADD |
| Legal Block | H |
| Legal Lot Number | 17 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 11303 |
Source: Madison County records, as of December 8, 2025
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 MADISON ST, BEREA, KY 40403-1204 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 17, 2026 | Deed of Trust, Mortgage · Line of Credit CUMBERLAND VALLEY NATIONAL BANK |
| Jun 12, 2025 | Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 5, 2005 · Amount on Record |
| Deed Sale | Oct 5, 2005 · Amount on Record |
| Deed Document Number | 0000597262 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Aug 17, 2026 |
| Property Address | 104 MADISON ST, BEREA, KY 40403-1204 |
| Document Number | 0014368845 |
| Book / Page | 2493 / 325 |
| Instrument Date | Aug 13, 2026 |
| Instrument | 202614368845 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership, 266 |
| Document Number | 0014368845, |
|---|---|
| Date | Aug 17, 2026 |
| Book Page | 2493/325 |
| Instrument | 202614368845 |
| Name | CUMBERLAND VALLEY NATIONAL BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 104 MADISON ST, BEREA, KY 40403-1204 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2025 |
| Name | Verified Name |
|---|---|
| Address | 104 MADISON ST, BEREA, KY 40403-1204 |
| Document Number | 0M2385/667 |
|---|---|
| Date | Jun 12, 2025 |
| Book Page | M2385/667 |
| Instrument | 2014267036 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92618 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jul 1, 2040 |
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 | $715.00 (+74.82%) Homeowner's exemption | $125,000 (+41.08%) | $125,000 (+41.08%) |
| 2023 | $409.00 Homeowner's exemption | $88,600 | $88,600 |
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 | 9 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 | 0.01% annual chance |
| Exposure | None beyond 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 284 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Windstream Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
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