Madison County property record for 108 Davis St, Berea, KY 40403 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 1,280 sqft |
| Lot Size | 0.316 acres (13,782 sqft) |
| Owner | Individual Name on File |
| Last Sale | $234,500 (Apr 2026) |
| Tax Bill | $2,014 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage Apr 2026 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | B008-0019-0009 |
| Primary APN | B008-0019-0009 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,280 sqft Living Area |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Lot Area | 13,782 sqft (0.316 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 72302 |
|---|---|
| Street Address | 108 DAVIS ST |
| City | BEREA |
| State | KY |
| Zip | 40403-1117 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DIXIE HIGHWAY PARK LOT 306, 307 & 308 |
| Legal Subdivision | DIXIE PARK |
| Legal Lot Number | 306-308 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 11202 |
Source: Madison County records · APN B008-0019-0009
Assessment roll updated December 9, 2025 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 108 DAVIS ST, BEREA, KY 40403-1117 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
| Date | Document |
|---|---|
| Nov 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CUMBERLAND VALLEY NATL BANK & TRUST CO |
| Apr 15, 2026 | Deed, Transfer · Conventional Mortgage DFT2 FINANCIAL LLC |
| Apr 15, 2026 | Deed of Trust, Mortgage · Conventional Mortgage DFT2 FINANCIAL LLC |
| Sep 12, 2024 | Deed, Transfer · FHA Mortgage T2 FINANCIAL LLC |
| Dec 20, 2021 | Deed, Transfer · Conventional Mortgage DAS ACQUISITION |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 15, 2026 · Amount on Record |
| Deed Sale | Apr 15, 2026 · Amount on Record |
| Prior Sale | Sep 12, 2024 · Amount on Record |
| Deed Document Number | 202614339853 |
| Deed Book / Page | 881 / 334 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 108 DAVIS ST, BEREA, KY 40403-1117 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|
| Document Number | M01995/444 |
|---|---|
| Date | Nov 13, 2020 |
| Book Page | M01995/444 |
| Instrument | 2014023992 |
| Name | CUMBERLAND VALLEY NATL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LONDON, KY 40741 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Apr 15, 2026 |
| Property Address | 108 DAVIS ST, BEREA, KY 40403-1117 |
| Document Number | 0014339853 |
| Book / Page | 881 / 334 |
| Instrument Date | Apr 08, 2026 |
| Instrument | 2026.14339853 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2026 |
| Title Company | LAND GROUP TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $23,684.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 108 DAVIS ST, BEREA, KY 40403-1117 |
| Document Number | 0014339853, |
|---|---|
| Date | Apr 15, 2026 |
| Book Page | 2460/31 |
| Instrument | 2026.14339853 |
| Name | DFT2 FINANCIAL LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Apr 15, 2026 |
| Property Address | 108 DAVIS ST, BEREA, KY 40403-1117 |
| Document Number | 0014339857 |
| Book / Page | 2460 / 31 |
| Instrument Date | Apr 08, 2026 |
| Instrument | 202614339857 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | LAND GROUP TITLE |
| Name | Verified Name |
|---|---|
| Address | 602 DIXIANA DR, WINCHESTER, KY 40391-9100 |
| Document Number | 0014339857, |
|---|---|
| Date | Apr 15, 2026 |
| Book Page | 2460/31 |
| Instrument | 202614339857 |
| Name | DFT2 FINANCIAL LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.11% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Sep 12, 2024 |
| Property Address | 108 DAVIS ST, BEREA, KY 40403-1117 |
| Document Number | 00D857/252 |
| Book / Page | D857 / 252 |
| Map Reference | MB 1 PG 17 |
| Instrument Date | Sep 11, 2024 |
| Instrument | 2014221871 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Title Company | LAND GROUP REAL ST TTL & CLO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $214.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 450 RIGSBY RD, CRAB ORCHARD, KY 40419-8770 |
| Name | Verified Name |
|---|---|
| Address | 108 DAVIS ST, BEREA, KY 40403-1117 |
| Document Number | 2014221873 |
|---|---|
| Date | Sep 12, 2024 |
| Instrument | 2014221873 |
| Name | T2 FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2054 |
| Document Number | 0M2326/316 |
|---|---|
| Date | Sep 12, 2024 |
| Book Page | M2326/316 |
| Instrument | 2014221874 |
| Name | LEXINGTON-FAYETTE URBAN COUNTY GOV |
|---|---|
| Type | Government Agency |
| Address | FRANKFORT, KY 40601 |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Oct 01, 2034 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Dec 20, 2021 |
| Property Address | 108 DAVIS ST, BEREA, KY 40403-1117 |
| Document Number | 0000D816/9 |
| Book / Page | D816 / 9 |
| Map Reference | MB1G 17 |
| Instrument Date | Dec 13, 2021 |
| Instrument | 2014069292 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $165.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 13 PARKE DR, RICHMOND, KY 40475-8653 |
| Name | Verified Name |
|---|---|
| Address | 108 DAVIS ST, BEREA, KY 40403-1117 |
| Document Number | 2014069293 |
|---|---|
| Date | Dec 20, 2021 |
| Instrument | 2014069293 |
| Name | DAS ACQUISITION |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2052 |
Source: Madison County records · Assessment roll updated December 9, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Kentucky |
| Municipality | Berea City |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,014.00 (+25.88%) | $213,600 (+29.45%) | $213,600 (+29.45%) |
| 2023 | $1,600.00 | $165,000 | $165,000 |
Source: FEMA National Flood Hazard Layer, Madison County (21151C), updated December 21, 2017 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211510112023, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 10 individual NFIP policies nearby |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 10 in force |
| Wildfire Risk | Low above 20% of the US · above 37% of Kentucky |
|---|---|
| Wildfire Likelihood | About 1 in 7,692 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 284 locations within about half a mile of this property
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