Madison County property record for 105 Wilson St, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,470 sqft · built 1972 |
| Lot Size | 0.299 acres (13,065 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $149,900 (Dec 2017) |
| Tax Bill | $1,735 (2025) |
| Deeds & Mortgages | Sep 2023 Second Mortgage Oct 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | B008-0023-0006 |
| Primary APN | B008-0023-0006 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,470 sqft Living Area |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Exterior Material | Brick Veneer |
| Lot Area | 13,065 sqft (0.299 acres) |
| Garage Type | Attached |
| Garage Area | 460 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 305 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 46490 |
|---|---|
| Street Address | 105 WILSON ST |
| City | BEREA |
| State | KY |
| Zip | 40403-1226 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DIXIE HIGHWAY PARK LOT 96, 97, 98 & 99 |
| Legal Subdivision | DIXIE PARK |
| Legal Lot Number | 96-99 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 11202 |
Source: Madison County records, 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 Individual Names on Record |
|---|---|
| Mailing Address | 105 WILSON ST, BEREA, KY 40403-1226 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 7, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage PARK COMMUNITY CREDIT UNION |
| Oct 5, 2020 | Deed of Trust, Mortgage · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC |
| Dec 12, 2017 | Deed, Transfer · FHA Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 12, 2017 · Amount on Record |
| Deed Sale | Dec 12, 2017 · Amount on Record |
| Deed Document Number | 20172013968998 |
| Deed Book / Page | 00753 / 581 |
| Prior Transfer Date | Apr 10, 2009 |
| Prior Transfer Doc | 00D645/127 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 105 WILSON ST, BEREA, KY 40403-1226 |
| Transaction Type | Mortgage |
| Record Updated | Oct 11, 2023 |
| Name | Verified Name |
|---|
| Document Number | 000M2258/1 |
|---|---|
| Date | Sep 7, 2023 |
| Book Page | M2258/1 |
| Instrument | 2014165914 |
| Name | PARK COMMUNITY CREDIT UNION |
|---|---|
| Address | LOUISVILLE, KY 40299 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 59 Months |
| Due | Aug 29, 2028 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 105 WILSON ST, BEREA, KY 40403-1226 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | M01983/566 |
|---|---|
| Date | Oct 5, 2020 |
| Book Page | M01983/566 |
| Instrument | 2014021543 |
| Name | ARK-LA-TEX FINANCIAL SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | PLANO, TX 75024 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Dec 12, 2017 |
| Property Address | 105 WILSON ST, BEREA, KY 40403-1226 |
| Document Number | D00753/581 |
| Book / Page | D00753 / 581 |
| Map Reference | MB1 PG17 |
| Instrument Date | Dec 8, 2017 |
| Instrument | 2013968998 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $150.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1314 BRINDLE RIDGE RD, 1314, BRODHEAD, KY 40409-8413 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 105 WILSON ST, BEREA, KY 40403-1226 |
| Document Number | 2013968999 |
|---|---|
| Date | Dec 12, 2017 |
| Instrument | 2013968999 |
| Name | ARK-LA-TEX FINANCIAL SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2048 |
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 | $1,735.00 (-2.75%) | $184,000 (-) | $184,000 (-) |
| 2023 | $1,784.00 | $184,000 | $184,000 |
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 |
| 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.
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 | 0.01% annual chance |
| Exposure | None beyond ember reach |
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 284 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Windstream Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
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