Madison County property record for 106 Cedar Dr, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Lot Size | 1.41 acres (61,813 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,275,000 (Feb 2022) |
| Tax Bill | $1,669 (2025) |
| Deeds & Mortgages | Oct 2023 Mortgage Feb 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0097-0001-0018 |
| Primary APN | 0097-0001-0018 |
|---|---|
| Alternative APNs |
|
| Lot Area | 61,813 sqft (1.41 acres) |
|---|
| Account Number | 50791 |
|---|---|
| Street Address | 106 CEDAR DR |
| City | BEREA |
| State | KY |
| Zip | 40403-9675 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CEDAR POINTE LOT 18 SEC 1 |
| Legal Subdivision | CEDAR POINTE |
| Legal Lot Number | 18 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 11103 |
Source: Madison County records · APN 0097-0001-0018
Assessment roll updated December 9, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 2243 GUYNN RD, PAINT LICK, KY 40461-8407 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 27, 2023 | Deed of Trust, Mortgage · Commercial Mortgage WHITAKER BANK INC |
| Feb 11, 2022 | Deed, Transfer · Commercial Mortgage WHITAKER BANK INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 11, 2022 · Amount on Record |
| Deed Sale | Feb 11, 2022 · Amount on Record |
| Deed Document Number | 202214076856 |
| Deed Book / Page | 818 / 330 |
| Prior Transfer Date | Feb 10, 2022 |
| Prior Transfer Doc | 00D818/330 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 106 CEDAR DR, BEREA, KY 40403-9675 |
| Transaction Type | Mortgage |
| Record Updated | Nov 21, 2023 |
| Name | Verified Name |
|---|---|
| Address | 2243 GUYNN RD, PAINT LICK, KY 40461-8407 |
| Document Number | 0M2267/361 |
|---|---|
| Date | Oct 27, 2023 |
| Book Page | M2267/361 |
| Instrument | 2014174428 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40555 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Oct 24, 2033 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Feb 11, 2022 |
| Property Address | 106 CEDAR DR, BEREA, KY 40403-9675 |
| Document Number | 00D818/330 |
| Book / Page | D818 / 330 |
| Map Reference | MB P9 PG 346 |
| Instrument Date | Feb 10, 2022 |
| Instrument | 2014076856 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,275.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 127 MAPLE ST, 127, BEREA, KY 40403-1463 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 2243 GUYNN RD, PAINT LICK, KY 40461-8407 |
| Document Number | 2014076858 |
|---|---|
| Date | Feb 11, 2022 |
| Instrument | 2014076858 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Feb 10, 2023 |
Source: Madison County records · Assessment roll updated December 9, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,669.00 (-2.74%) | $177,000 (-) | $177,000 (-) |
| 2023 | $1,716.00 | $177,000 | $177,000 |
Source: FEMA National Flood Hazard Layer as of December 21, 2017 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 | 1 in force |
| Wildfire Risk | Low lower than 62% of the US · above 68% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Uniti Group Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Metronet Holdings.
Based on FCC filings for 17 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | MADISON CO UTILITIES DISTRICT serves 25,120 people |
|---|---|
| Water Source | Purchased surface water from RICHMOND UTILITIES |
| Last State Inspection | Nov 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | E. coli resolved · Jun 2019 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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