1043 Mae Stephens Rd, Berea, KY 40403 Property Records

Madison County property record for 1043 Mae Stephens Rd, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Lot Size	1.58 acres (68,825 sqft)
Owner	2 Individual Names on Record
Tax Bill	$537 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0100-0000-0035-H`

Property Details

APN / Parcel Number

Primary APN	`0100-0000-0035-H`
Alternative APNs	`117158` `80240` `46546`

Exterior

Lot Area	68,825 sqft (1.58 acres)

Location & Zoning

Account Number	46546
Street Address	1043 MAE STEPHENS RD
City	BEREA
State	KY
Zip	40403-9677
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 1.50 ACRE
Legal Subdivision	OWSLEY FORK
Legal Lot Number	1
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	1
Census Block	1024
Census Tract	11102

Owner

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	2 Individual Names on Record
Mailing Address	1043 MAE STEPHENS RD, BEREA, KY 40403-9677
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2025	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 20, 2017	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 13, 2001
Deed Sale	Nov 13, 2001
Deed Document Number	0000053631
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	1043 MAE STEPHENS RD, BEREA, KY 40403-9677
Transaction Type	Mortgage
Record Updated	Dec 8, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1043 MAE STEPHENS RD, BEREA, KY 40403-9677

Mortgage

Document Number	0M2424/200
Date	Nov 13, 2025
Book Page	M2424/200
Instrument	2014298593

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	1043 MAE STEPHENS RD, BEREA, KY 40403-9677
Transaction Type	Mortgage
Record Updated	Feb 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01770/700
Date	Oct 20, 2017
Book Page	M01770/700
Instrument	2013966604

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

Source: Madison County assessment roll, as of April 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$537.00 (-6.28%) Homeowner's exemption	$100,800 (-)	$100,800 (-)
2023	$573.00 Homeowner's exemption	$100,800	$100,800

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

Flood

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 9 (5% 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · above 74% of Kentucky
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 58 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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