Madison County property record for 107 Oak St, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,504 sqft |
| Lot Size | 0.449 acres (19,570 sqft) |
| Owner | Individual Name on File |
| Last Sale | $105,000 (Jun 2017) |
| Tax Bill | $1,251 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Jun 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | B006-0006-0009 |
| Primary APN | B006-0006-0009 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,504 sqft Living Area |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Lot Area | 19,570 sqft (0.449 acres) |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 52913 |
|---|---|
| Street Address | 107 OAK ST |
| City | BEREA |
| State | KY |
| Zip | 40403-1411 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NEW BEREA LOT 55-59 BLK B |
| Legal Subdivision | NEW BEREA |
| Legal Block | B |
| Legal Lot Number | 55-59 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 11201 |
107 Oak St is owned and occupied by an individual who bought it in June 2017.
Source: Madison County records, as of December 9, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 107 OAK ST, BEREA, KY 40403-1411 |
| 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 |
|---|---|
| Oct 8, 2021 | Deed of Trust, Mortgage · VA Mortgage SERVICEMAC LLC |
| Jun 27, 2017 | Warranty Deed, Transfer · VA Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 27, 2017 · Amount on File |
| Deed Sale | Jun 27, 2017 · Amount on File |
| Prior Sale | Oct 5, 2010 · Amount on File |
| Deed Document Number | 20172013960714 |
| Deed Book / Page | 00746 / 609 |
| Prior Transfer Date | Apr 9, 2010 |
| Prior Transfer Doc | D655/592 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 107 OAK ST, BEREA, KY 40403-1411 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2021 |
| Name | Verified Name |
|---|
| Document Number | M2099/359 |
|---|---|
| Date | Oct 8, 2021 |
| Book Page | M2099/359 |
| Instrument | 2014057334 |
| Name | SERVICEMAC LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | FORT MILL, SC 29707 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Aug 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jun 27, 2017 |
| Property Address | 107 OAK ST, BEREA, KY 40403-1411 |
| Document Number | D00746/609 |
| Book / Page | D00746 / 609 |
| Map Reference | MB1 PG9 |
| Instrument Date | Jun 23, 2017 |
| Instrument | 2013960714 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $105.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 112 MEADOWLARK DR, 112, BEREA, KY 40403-1011 |
| Name | Verified Name |
|---|---|
| Address | 107 OAK ST, BEREA, KY 40403-1411 |
| Document Number | 2013960715 |
|---|---|
| Date | Jun 27, 2017 |
| Instrument | 2013960715 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2047 |
The 2025 property tax bill for 107 Oak St was $1,251.
Source: Madison County assessment roll, as of December 9, 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 | $1,251.00 | $105,000 | $105,000 |
| 2023 | $1,373.00 | $105,000 | $105,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 107 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 107 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 |
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