Madison County property record for 106 Oak St, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 1,670 sqft |
| Owner | 2 Individual Names on File |
| Last Sale | $127,000 (Jul 2019) |
| Tax Bill | $1,513 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Jul 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | B006-0004-0009 |
| Primary APN | B006-0004-0009 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,670 sqft Living Area |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Garage Type | Detached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|
| Account Number | 38690 |
|---|---|
| Street Address | 106 OAK ST |
| City | BEREA |
| State | KY |
| Zip | 40403-1412 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NEW BEREA LOT 1-4 BLK C |
| Legal Subdivision | NEW BEREA |
| Legal Block | C |
| Legal Lot Number | 1-4 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 11201 |
106 Oak St is owned and occupied by two individuals who bought it in July 2019.
Source: Madison County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 106 OAK ST, BEREA, KY 40403-1412 |
| 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 |
|---|---|
| Sep 9, 2021 | Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING LLC |
| Jul 2, 2019 | Deed, Transfer · FHA Mortgage MID-AMERICAN MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 2, 2019 · Amount on File |
| Deed Sale | Jul 2, 2019 · Amount on File |
| Deed Document Number | 2013994886 |
| Deed Book / Page | D00775 / 340 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 106 OAK ST, BEREA, KY 40403-1412 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2021 |
| Name | Verified Name |
|---|
| Document Number | M2090/82 |
|---|---|
| Date | Sep 9, 2021 |
| Book Page | M2090/82 |
| Instrument | 2014052084 |
| Name | LAKEVIEW LOAN SERVICING LLC |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23452 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jul 2, 2019 |
| Property Address | 106 OAK ST, BEREA, KY 40403-1412 |
| Document Number | D00775/340 |
| Book / Page | D00775 / 340 |
| Instrument Date | Jun 28, 2019 |
| Instrument | 2013994886 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Title Company | BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $127.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 157 PIENIC RD, 157, IRVINE, KY 40336 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 106 OAK ST, GATES MILLS, OH 44040 |
| Document Number | 2013994887 |
|---|---|
| Date | Jul 2, 2019 |
| Instrument | 2013994887 |
| Name | MID-AMERICAN MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2049 |
The 2025 property tax bill for 106 Oak St was $1,513 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 | Berea Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,513.00 Additional exemption filed | $127,000 | $127,000 |
| 2023 | $1,661.00 | $127,000 | $127,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 106 Oak St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective December 21, 2017
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 106 Oak St is low, with a 0.01% annual chance of 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 | 0.01% 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 364 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 |
| AT&T Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures