Madison County property record for 105 Rainbow Dr, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 1,648 sqft |
| Lot Size | 1.01 acres (43,996 sqft) |
| Owner | 2 Individuals on Record |
| Tax Bill | $1,782 (2025) |
| Deeds & Mortgages | Apr 2024 Second Mortgage Jun 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0074-0001-0038 |
| Primary APN | 0074-0001-0038 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,648 sqft Living Area |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Lot Area | 43,996 sqft (1.01 acres) |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Account Number | 71908 |
|---|---|
| Street Address | 105 RAINBOW DR |
| City | BEREA |
| State | KY |
| Zip | 40403-9003 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RAINBOW ACRES LOT 48 BLK C |
| Legal Subdivision | RAINBOW ACRES |
| Legal Block | C |
| Legal Lot Number | 48 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 11101 |
Source: Madison County assessment roll, as of December 9, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individuals on Record |
|---|---|
| Mailing Address | 105 RAINBOW DR, BEREA, KY 40403-9003 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 8, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| Jun 29, 2021 | Intrafamily Transfer, Transfer · FHA Mortgage AMERIHOME MORTGAGE COMPANY LLC |
| Dec 6, 2019 | Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 29, 2021 |
| Deed Sale | Jun 29, 2021 |
| Deed Document Number | 20212014042884 |
| Deed Book / Page | 807 / 581 |
| Prior Transfer Date | Feb 12, 2021 |
| Prior Transfer Doc | D807/581 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 105 RAINBOW DR, BEREA, KY 40403-9003 |
| Transaction Type | Mortgage |
| Record Updated | Apr 19, 2024 |
| Title Company | BRYTH TITLE AND ESCROW, BLYTHE TITLE AND ESCROW |
| Name | Verified Name |
|---|
| Document Number | 0M2291/690 |
|---|---|
| Date | Apr 8, 2024 |
| Book Page | M2291/690 |
| Instrument | 2014198048 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | GREENWOOD, DE 19950 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Mar 20, 2034 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jun 29, 2021 |
| Property Address | 105 RAINBOW DR, BEREA, KY 40403-9003 |
| Document Number | D807/581 |
| Book / Page | D807 / 581 |
| Map Reference | MB 9 PG 187 |
| Instrument Date | Feb 12, 2021 |
| Instrument | 2014042884 |
| Transaction Type | Transfer |
| Record Updated | Jul 13, 2021 |
| Title Company | ORANGE COAST LENDER SERVICES LLC, ORANGE COAST LENDER SERVICES |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 105 RAINBOW DR, BEREA, KY 40403-9003 |
| Document Number | 2014042885 |
|---|---|
| Date | Jun 29, 2021 |
| Instrument | 2014042885 |
| Name | AMERIHOME MORTGAGE COMPANY LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 105 RAINBOW DR, BEREA, KY 40403-9003 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST SOURCE TITLE AGENCY |
| Name | Verified Name |
|---|
| Document Number | M01905/283 |
|---|---|
| Date | Dec 6, 2019 |
| Book Page | M01905/283 |
| Instrument | 2014003498 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Address | BRECKSVILLE, OH 44141 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2049 |
Source: Madison County assessment roll, as of December 9, 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 | $1,782.00 (+2.06%) | $189,000 (+5%) | $189,000 (+5%) |
| 2023 | $1,746.00 | $180,000 | $180,000 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 4 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 67% of the US · above 66% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.04% 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 | 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 126 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 |
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