Madison County property record for 106 Scruggs St, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 1,430 sqft |
| Owner | Individual Name on File |
| Last Sale | $110,000 (Jan 2018) |
| Tax Bill | $1,461 (2025) |
| Deeds & Mortgages | Apr 2020 Mortgage Jan 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | B008-0021-0012 |
| Primary APN | B008-0021-0012 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,430 sqft Living Area |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 190 sqft |
| Account Number | 57633 |
|---|---|
| Street Address | 106 SCRUGGS ST |
| City | BEREA |
| State | KY |
| Zip | 40403-1231 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DIXIE HIGHWAY PARK LOT 263, 264, 265, 26 |
| Legal Subdivision | DIXIE PARK |
| Legal Lot Number | 26 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 11202 |
106 Scruggs St is owned and occupied by an individual who bought it in January 2018.
Source: Madison County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 106 SCRUGGS ST, BEREA, KY 40403-1231 |
| 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 |
|---|---|
| Apr 17, 2020 | Deed of Trust, Mortgage · FHA Mortgage LAND-HOME FINANCIAL SERVICES |
| Jan 3, 2018 | Warranty Deed, Transfer · FHA Mortgage LAND-HOME FINANCIAL SERVICES |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 3, 2018 · Amount on File |
| Deed Sale | Jan 3, 2018 · Amount on File |
| Deed Document Number | 2013969920 |
| Deed Book / Page | D00754 / 496 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 106 SCRUGGS ST, BEREA, KY 40403-1231 |
| Transaction Type | Mortgage |
| Record Updated | Jul 11, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0M01933/30 |
|---|---|
| Date | Apr 17, 2020 |
| Book Page | M01933/30 |
| Instrument | 2014010470 |
| Name | LAND-HOME FINANCIAL SERVICES |
|---|---|
| Type | Mortgage Company |
| Address | CONCORD, CA 94520 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jan 3, 2018 |
| Property Address | 106 SCRUGGS ST, BEREA, KY 40403-1231 |
| Document Number | D00754/496 |
| Book / Page | D00754 / 496 |
| Instrument Date | Jan 2, 2018 |
| Instrument | 2013969920 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $110.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3070 LAKECREST CIR, LEXINGTON, KY 40513-1937 |
| Name | Verified Name |
|---|---|
| Address | 106 SCRUGGS ST, BEREA, KY 40403-1231 |
| Document Number | 2013969921 |
|---|---|
| Date | Jan 3, 2018 |
| Instrument | 2013969921 |
| Name | LAND-HOME FINANCIAL SERVICES |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 106 Scruggs St was $1,461 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 | $1,461.00 Additional exemption filed | $155,000 | $155,000 |
| 2023 | $1,222.00 (-0.24%) | $126,000 (-) | $126,000 (-) |
| 2022 | $1,225.00 | $126,000 | $126,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 106 Scruggs St in Zone X, an area of minimal flood risk.
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 File 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 risk around 106 Scruggs 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 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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