Madison County property record for 108 Madison St, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 1,134 sqft |
| Owner | Individual Name on File |
| Last Sale | $189,800 (Mar 2025) |
| Tax Bill | $924 (2025) |
| Deeds & Mortgages | Mar 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | B009-0014-0008 |
| Primary APN | B009-0014-0008 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,134 sqft Living Area |
| Exterior Material | Brick Veneer |
|---|
| Account Number | 38553 |
|---|---|
| Street Address | 108 MADISON ST |
| City | BEREA |
| State | KY |
| Zip | 40403-1204 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | JACKSON LOT 15 BLK H |
| Legal Subdivision | JACKSON ADD |
| Legal Block | H |
| Legal Lot Number | 15 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 11303 |
108 Madison St is owned and occupied by an individual who bought it in March 2025.
Source: Madison County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 108 MADISON ST, BEREA, KY 40403-1204 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 24, 2025 · Amount on File |
| Deed Sale | Mar 24, 2025 · Amount on File |
| Deed Document Number | 2014251446 |
| Deed Book / Page | D865 / 328 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Mar 24, 2025 |
| Property Address | 108 MADISON ST, BEREA, KY 40403-1204 |
| Document Number | 00D865/328 |
| Book / Page | D865 / 328 |
| Map Reference | CAB 5 SL 56 |
| Instrument Date | Mar 21, 2025 |
| Instrument | 2014251446 |
| Transaction Type | Transfer |
| Record Updated | Dec 9, 2025 |
| 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 | $190.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1031 ROYAL CREST DR, RICHMOND, KY 40475-8823 |
| Name | Verified Name |
|---|---|
| Address | 108 MADISON ST, BEREA, KY 40403-1204 |
| Document Number | 2014251449 |
|---|---|
| Date | Mar 24, 2025 |
| Instrument | 2014251449 |
| Name | LUMINATE BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2055 |
The 2025 property tax bill for 108 Madison St was $924 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 | $924.00 Additional exemption filed | $98,000 | $98,000 |
| 2023 | $799.00 | $82,400 | $82,400 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 108 Madison St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 9 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 108 Madison St is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 66% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.03% 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 81 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 |
May also be available: Verizon.
5G (outdoors only) and 4G LTE
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