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105 Phillips St, Berea, KY 40403 Property Records

Madison County property record for 105 Phillips St, Berea, KY 40403 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details5 bd · 3 ba · 1,760 sqft · built 1965
Owner2 Individual Names on File
Last Sale$35,250 (Jul 2001)
Tax Bill$606 (2025)
Deeds & MortgagesFeb 2024 Mortgage
Aug 2022 Mortgage
Flood ZoneZone X (minimal risk)
APNB007-0010-0023

Property Details

APN / Parcel Number

Primary APNB007-0010-0023
Alternative APNs
  • 114461
  • 77555
  • 43746

Interior

Bedrooms5 Beds
Full Baths3 Baths
Stories2 Stories
Building Area1,760 sqft Living Area

Exterior

Year BuiltBuilt 1965
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Roof MaterialComposition Shingle
Garage TypeDetached
Garage Area448 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump

Location & Zoning

Account Number43746
Street Address105 PHILLIPS ST
CityBEREA
StateKY
Zip40403-1624
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOTS 17, 19 & PT 21
Legal Lot Number17,19
JurisdictionMADISON KY
Township / Civil DivisionBEREA
Census Block Group2
Census Block2026
Census Tract11301

Owner

Source: Madison County records · APN B007-0010-0023

Assessment roll updated April 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address105 PHILLIPS ST, BEREA, KY 40403-1624
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 07, 2024Deed of Trust, Mortgage · VA Mortgage
FREEDOM MORTGAGE CORP
Aug 03, 2022Deed of Trust, Mortgage · VA Mortgage
NEW DAY FINANCIAL LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 06, 2001 · Amount on Record
Deed SaleJul 06, 2001 · Amount on Record
Deed Document Number0000531122
Record UpdatedJun 08, 2026

February 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMADISON KY
Property Address105 PHILLIPS ST, BEREA, KY 40403-1624
Transaction TypeMortgage
Record UpdatedFeb 21, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address105 PHILLIPS ST, BEREA, KY 40403-1624

Mortgage

Document Number0M2281/642
DateFeb 07, 2024
Book PageM2281/642
Instrument2014189561
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 01, 2054

August 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMADISON KY
Property Address105 PHILLIPS ST, BEREA, KY 40403-1624
Transaction TypeMortgage
Record UpdatedAug 23, 2022
Title CompanyAMC SETTLEMENT SERVICES LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number00M2180/80
DateAug 03, 2022
Book PageM2180/80
Instrument2014104790
Lender
NameNEW DAY FINANCIAL LLC
TypeMortgage Company
AddressFULTON, MD 20759
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueAug 01, 2052

Tax Assessment & Valuation

Source: Madison County records · Assessment roll updated April 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateKentucky
MunicipalityBerea City
CountyMadison County
Unified School DistrictBerea Independent 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.

YearTax BillAssessed ValueAssessed Market Value
2025$606.00 (+6.88%) Homeowner's exemption$100,000 (+11.48%)$100,000 (+11.48%)
2023$567.00 Homeowner's exemption$89,700$89,700

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 211510113012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies3 in force

Wildfire

Wildfire RiskLow
above 20% of the US · above 37% of Kentucky
Wildfire LikelihoodAbout 1 in 4,348 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 74 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Metronet HoldingsFiber5,120 / 5,120
Uniti GroupFiber2,000 / 2,000
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
StarlinkSatellite (low-earth orbit)280 / 30

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

Mobile Coverage

5G and 4G LTE

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