108 Commerce Dr, Berea, KY 40403 Property Records

Madison County property record for 108 Commerce Dr, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,132 sqft · built 2007
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$269,000 (Aug 2024)
Tax Bill	$2,536 (2025)
Deeds & Mortgages	Aug 2024 Sale & Mortgage Mar 2024 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0048-0000-0027-ZAF`

Property Details

APN / Parcel Number

Primary APN	`0048-0000-0027-ZAF`
Alternative APNs	`125944` `93825` `53420`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,132 sqft Living Area

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Brick
Construction Type	Wood
Roof Material	Composition Shingle
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached
Garage Area	434 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	18 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	53420
Street Address	108 COMMERCE DR
City	BEREA
State	KY
Zip	40403-8870
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	INTERSTATE BUSINESS CENTER LOT 31
Legal Subdivision	INTERSTATE BUS CNTR
Legal Lot Number	31
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	2
Census Block	2027
Census Tract	11401

Owner

Source: Madison County records, as of August 21, 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 Record
Mailing Address	108 COMMERCE DR, BEREA, KY 40403-8870
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2024	Deed, Transfer · FHA Mortgage STOCKTON MORTGAGE CORP
Mar 14, 2024	Deed, Transfer
Jan 5, 2024	Deed, Transfer
May 22, 2023	Commissioner's Deed, Foreclosure
Jan 2, 2019	Deed, Transfer · FHA Mortgage SIERRA PACIFIC MORTGAGE CO INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2024 · Amount on Record
Deed Sale	Aug 12, 2024 · Amount on Record
Prior Sale	Mar 14, 2024 · Amount on Record
Deed Document Number	202414216861
Deed Book / Page	856 / 118
Record Updated	Oct 29, 2026

August 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Aug 12, 2024
Property Address	108 COMMERCE DR, BEREA, KY 40403-8870
Document Number	00D856/118
Book / Page	D856 / 118
Map Reference	CAB 21 SL 315
Instrument Date	Aug 1, 2024
Instrument	2014216861
Transaction Type	Transfer
Record Updated	Jan 20, 2026
Title Company	ACCOMMODATION

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$269.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1118 WINCHESTER RD, LEXINGTON, KY 40505-4029

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 COMMERCE DR, BEREA, KY 40403-8870

Mortgage

Document Number	2014216862
Date	Aug 12, 2024
Instrument	2014216862

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2054

Mortgage

Document Number	0M2319/406
Date	Aug 12, 2024
Book Page	M2319/406
Instrument	2014216863

Lender

Name	LEXINGTON-FAYETTE URBAN COUNTY GOV
Type	Government Agency
Address	FRANKFORT, KY 40601

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	121 Months
Due	Sep 1, 2034

March 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Mar 14, 2024
Property Address	108 COMMERCE DR, BEREA, KY 40403-8870
Document Number	00D849/734
Book / Page	D849 / 734
Map Reference	CAB 27 SL 315
Instrument Date	Mar 12, 2024
Instrument	2014194443
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount Recorded
Tax	$128.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	910 S DOGWOOD DR, BEREA, KY 40403-9564

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1118 WINCHESTER RD, LEXINGTON, KY 40505-4029
Investor	Possibly a Property Investor

January 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Jan 5, 2024
Property Address	108 COMMERCE DR, BEREA, KY 40403-8870
Document Number	00D847/401
Book / Page	D847 / 401
Map Reference	CAB 21 SL 315
Instrument Date	Dec 28, 2023
Instrument	2014184738
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount Recorded
Tax	$17.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 853, MOUNT STERLING, KY 40353-0853

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	SOUTH DOGWOOD DRIVE, BEREA, KY 40403

May 2023: Commissioner's Deed, Foreclosure

Document Type	Commissioner's Deed
Jurisdiction	MADISON KY
Recording Date	May 22, 2023
Property Address	108 COMMERCE DR, BEREA, KY 40403-8870
Document Number	00D838/503
Book / Page	D838 / 503
Map Reference	CAB 21 SL 315
Instrument Date	Feb 3, 2023
Instrument	2014146248
Transaction Type	Foreclosure
Record Updated	Jan 20, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

January 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Jan 2, 2019
Property Address	108 COMMERCE DR, BEREA, KY 40403-8870
Document Number	D00768/433
Book / Page	D00768 / 433
Map Reference	CAB 21 SL 315
Instrument Date	Dec 21, 2018
Instrument	2013986615
Transaction Type	Transfer
Record Updated	Jan 20, 2026
Title Company	JETT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$158.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	513 PARK, RICHMOND, KY 40475

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 COMMERCE DR, BEREA, KY 40403-8870

Mortgage

Document Number	2013986616
Date	Jan 2, 2019
Instrument	2013986616

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

Source: Madison County assessment roll, as of December 9, 2025

Property Jurisdictions

Type	Name
State	Kentucky
Municipality	Berea City
County	Madison County
Unified School District	Madison County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,536.00 (+63.19%)	$269,000 (+67.81%)	$269,000 (+67.81%)
2023	$1,554.00 (-0.32%)	$160,300 (-)	$160,300 (-)
2022	$1,559.00	$160,300	$160,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	3 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

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	0.03% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 127 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
Windstream DSL · Fiber in parts of the area	100 / 20

108 Commerce Dr, Berea, KY 40403 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

August 2024: Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Mortgage

Lender

Agreement

March 2024: Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

January 2024: Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

May 2023: Commissioner's Deed, Foreclosure

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

January 2019: Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Commerce Dr

Nearby Streets

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