105 Rose St, Berea, KY 40403 Property Records

Madison County property record for 105 Rose St, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,188 sqft · built 1978
Lot Size	0.3 acres (13,069 sqft)
Owner	2 Individual Names on Record
Last Sale	$233,000 (Oct 2026)
Tax Bill	$1,036 (2025)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`073C-0000-0068`

Property Details

APN / Parcel Number

Primary APN	`073C-0000-0068`
Alternative APNs	`114014` `77115` `43273`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,188 sqft Living Area
1st Floor Area	810 sqft
Basement Area	810 sqft
Unfinished Basement	810 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Split Foyer
Exterior Material	Brick Veneer
Lot Area	13,069 sqft (0.3 acres)
Garage Type	Basement
Garage Area	378 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	43273
Street Address	105 ROSE ST
City	BEREA
State	KY
Zip	40403-1134
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ROSELAWN LOT 1 SEC 2 BLK D
Legal Subdivision	ROSELAWN
Legal Block	D
Legal Lot Number	1
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	3
Census Block	3005
Census Tract	11202

Owner

Source: Madison County records, as of October 14, 2026

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	105 ROSE ST, BEREA, KY 40403-1134
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2026	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE
Feb 9, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Mar 16, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2026 · Amount on Record
Deed Sale	Oct 1, 2026 · Amount on Record
Deed Document Number	202614379858
Deed Book / Page	889 / 51
Prior Transfer Date	Mar 8, 2022
Prior Transfer Doc	00D820/160
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Oct 1, 2026
Property Address	105 ROSE ST, BEREA, KY 40403-1134
Document Number	0014379858
Book / Page	889 / 51
Instrument Date	Sep 29, 2026
Instrument	202614379858
Transaction Type	Transfer
Record Updated	Oct 14, 2026
Title Company	TRUE TITLE, TRUE TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$23,533.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	105 ROSE ST, BEREA, KY 40403-1134

Mortgage

Document Number	0014379858,
Date	Oct 1, 2026
Book Page	2505/220
Instrument	202614379858

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

Mortgage

Document Number	2505000241,
Date	Oct 1, 2026
Book Page	2505/241

Lender

Name	KENTUCKY HOUSING CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2041

Interest

Max Rate	-1%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	105 ROSE ST, BEREA, KY 40403-1134
Transaction Type	Mortgage
Record Updated	Mar 7, 2023
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M2021/669
Date	Feb 9, 2021
Book Page	M2021/669
Instrument	2014029339

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	299 Months
Due	Jan 1, 2046

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MADISON KY
Recording Date	Mar 16, 2022
Property Address	105 ROSE ST, BEREA, KY 40403-1134
Document Number	00D820/160
Book / Page	D820 / 160
Map Reference	MB 5 PG 191
Instrument Date	Mar 8, 2022
Instrument	2014081879
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 ROSE ST, BEREA, KY 40403-1134

Tax Assessment & Valuation

Source: Madison County assessment roll, as of December 9, 2025

Property Jurisdictions

Type	Name
State	Kentucky
Municipality	Berea City
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	$1,036.00 (-31.53%) Homeowner's exemption	$159,000 (+1.92%)	$159,000 (+1.92%)
2023	$1,513.00	$156,000	$156,000

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
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	10 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	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 237 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

Cell Coverage

5G (outdoors only) and 4G LTE

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