Madison County property record for 106 Madison St, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 1,131 sqft |
| Owner | Individual Name on File |
| Tax Bill | $914 (2025) |
| Deeds & Mortgages | Jul 2023 Line of Credit Nov 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | B009-0014-0007 |
| Primary APN | B009-0014-0007 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,131 sqft Living Area |
| Exterior Material | Brick Veneer |
|---|
| Cooling System | Wall Unit |
|---|
| Account Number | 67844 |
|---|---|
| Street Address | 106 MADISON ST |
| City | BEREA |
| State | KY |
| Zip | 40403-1204 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | JACKSON LOT 16 BLK H |
| Legal Subdivision | JACKSON ADD |
| Legal Block | H |
| Legal Lot Number | 16 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 11303 |
106 Madison St is owned and occupied by an individual who acquired it in April 2022.
Source: Madison County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 106 MADISON ST, BEREA, KY 40403-1204 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 5, 2023 | Deed of Trust, Mortgage · Line of Credit CUMBERLAND VALLEY NATL BANK & TRUST CO |
| Nov 2, 2022 | Deed of Trust, Mortgage · Line of Credit STOCK YARDS BANK & TRUST CO |
| Apr 20, 2022 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 20, 2022 |
| Deed Sale | Apr 20, 2022 |
| Deed Document Number | 2014087891 |
| Deed Book / Page | D822 / 87 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 106 MADISON ST, BEREA, KY 40403-1204 |
| Transaction Type | Mortgage |
| Record Updated | Aug 3, 2023 |
| Name | Verified Name |
|---|---|
| Address | 106 MADISON ST, BEREA, KY 40403-1204 |
| Document Number | 0M2244/578 |
|---|---|
| Date | Jul 5, 2023 |
| Book Page | M2244/578 |
| Instrument | 2014154691 |
| Name | CUMBERLAND VALLEY NATL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LONDON, KY 40743 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 106 MADISON ST, BEREA, KY 40403-1204 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2023 |
| Name | Verified Name |
|---|---|
| Address | 106 MADISON ST, BEREA, KY 40403-1204 |
| Document Number | 0M2199/254 |
|---|---|
| Date | Nov 2, 2022 |
| Book Page | M2199/254 |
| Instrument | 2014118065 |
| Name | STOCK YARDS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40232 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Apr 20, 2022 |
| Property Address | 106 MADISON ST, BEREA, KY 40403-1204 |
| Document Number | 000D822/87 |
| Book / Page | D822 / 87 |
| Map Reference | MB 5 PG 56 |
| Instrument Date | Apr 19, 2022 |
| Instrument | 2014087891 |
| Transaction Type | Transfer |
| Record Updated | Mar 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 466 MOUNT VERNON RD, BEREA, KY 40403-9527 |
| Name | Verified Name |
|---|---|
| Address | 106 MADISON ST, BEREA, KY 40403-1204 |
The 2025 property tax bill for 106 Madison St was $914 with an additional exemption.
Source: Madison County assessment roll, as of April 1, 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 | $914.00 Additional exemption filed | $97,000 | $97,000 |
| 2023 | $729.00 | $75,200 | $75,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 106 Madison St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 9 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 risk around 106 Madison St is low, with a 0.03% annual chance of wildfire.
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 | 0.03% 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 81 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 |
May also be available: Verizon.
5G (outdoors only) and 4G LTE
Search by:
By searching, you agree to: Terms • Privacy • Disclosures