Madison County property record for 105 Pearl St, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,043 sqft · built 1925 |
| Owner | Individual Name on File |
| Last Sale | $182,000 (Jul 2019) |
| Tax Bill | $2,169 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Nov 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | B006-0020-0018 |
| Primary APN | B006-0020-0018 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,043 sqft Living Area |
| Year Built | Built 1925 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Garage Type | Carport |
| Carport | Carport |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 63724 |
|---|---|
| Street Address | 105 PEARL ST |
| City | BEREA |
| State | KY |
| Zip | 40403-1622 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DESC |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 11301 |
105 Pearl St is owned and occupied by an individual who bought it in July 2019.
Source: Madison County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 105 PEARL ST, BEREA, KY 40403-1622 |
| Occupancy | Owner Occupied |
| 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 |
|---|---|
| Oct 15, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Nov 9, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Jul 16, 2019 | Warranty Deed, Transfer · ARM PARK COMMUNITY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 16, 2019 · Amount on File |
| Deed Sale | Jul 16, 2019 · Amount on File |
| Prior Sale | Sep 17, 2010 · Amount on File |
| Deed Document Number | 2013995609 |
| Deed Book / Page | D00776 / 023 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 105 PEARL ST, BEREA, KY 40403-1622 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2021 |
| Name | Verified Name |
|---|
| Document Number | M2101/186 |
|---|---|
| Date | Oct 15, 2021 |
| Book Page | M2101/186 |
| Instrument | 2014058648 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 144 Months |
| Due | Oct 1, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 105 PEARL ST, BEREA, KY 40403-1622 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | M01194/24 |
|---|---|
| Date | Nov 9, 2020 |
| Book Page | M01194/24 |
| Instrument | 2014023672 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 178 Months |
| Due | Sep 1, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jul 16, 2019 |
| Property Address | 105 PEARL ST, BEREA, KY 40403-1622 |
| Document Number | D00776/023 |
| Book / Page | D00776 / 023 |
| Instrument Date | Jul 15, 2019 |
| Instrument | 2013995609 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $182.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 119 DESHA RD APT 3, 119, LEXINGTON, KY 40502-1985 |
| Name | Verified Name |
|---|---|
| Address | 105 PEARL ST, BEREA, KY 40403-1622 |
| Document Number | 2013995610 |
|---|---|
| Date | Jul 16, 2019 |
| Instrument | 2013995610 |
| Name | PARK COMMUNITY FCU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.62% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Aug 1, 2026 |
| Min Rate At Change | 3.75% |
| Index | 10-Year TN |
| Max Rate | 9.62% |
The 2025 property tax bill for 105 Pearl St was $2,169 with an additional exemption.
Source: Madison County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| Municipality | Berea City |
| County | Madison County |
| Unified School District | Berea Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,169.00 Additional exemption filed | $182,000 | $182,000 |
| 2023 | $2,380.00 | $182,000 | $182,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 105 Pearl St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective December 21, 2017
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 105 Pearl St is low, with a 0.02% annual chance of wildfire.
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 | 0.02% 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 | BEREA MUNICIPAL UTILITIES private · serves 9,972 people · EPA ID KY0760030 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2023 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 364 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Windstream Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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