108 Springhill Way, Berea, KY 40403 Property Records

Madison County property record for 108 Springhill Way, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,605 sqft
Lot Size	0.923 acres (40,246 sqft)
Owner	2 Individual Names on Record
Last Sale	$147,000 (Mar 2009)
Tax Bill	$1,470 (2025)
Deeds & Mortgages	May 2022 Reverse Mortgage May 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0059-0003-0042`

Property Details

APN / Parcel Number

Primary APN	`0059-0003-0042`
Alternative APNs	`134210` `97014` `64149`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,605 sqft Living Area
1st Floor Area	1,290 sqft
Basement Area	1,291 sqft
Unfinished Basement	1,291 sqft

Exterior

Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	40,246 sqft (0.923 acres)
Garage Type	Basement
Garage Area	315 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	132 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	64149
Street Address	108 SPRINGHILL WAY
City	BEREA
State	KY
Zip	40403-8704
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WELCHWOOD ESTS LOT 44
Legal Subdivision	WELCHWOOD
Legal Block	3
Legal Lot Number	44
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	2
Census Block	2001
Census Tract	11402

Owner

Source: Madison County records, as of December 9, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	108 SPRINGHILL WAY, BEREA, KY 40403-8704
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2022	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GOURP
May 19, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
May 13, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage NATIONS LENDING CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 18, 2009 · Amount on Record
Deed Sale	Mar 18, 2009 · Amount on Record
Deed Document Number	2009422983
Deed Book / Page	644 / 74
Last Transfer Date	May 1, 2020
Transfer Doc	D00787/676
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	108 SPRINGHILL WAY, BEREA, KY 40403-8704
Transaction Type	Mortgage
Record Updated	Dec 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 SPRINGHILL WAY, BEREA, KY 40403-8704

Mortgage

Document Number	0M2161/123
Date	May 19, 2022
Book Page	M2161/123
Instrument	2014092583

Lender

Name	AMERICAN ADVISORS GOURP
Type	Reverse Mortgage Lender
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	890 Months
Due	Jul 17, 2096

Interest

Rate Type	Adjustable Rate
Rate	3.46%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	8.46%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	108 SPRINGHILL WAY, BEREA, KY 40403-8704
Transaction Type	Mortgage
Record Updated	Jun 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 SPRINGHILL WAY, BEREA, KY 40403-8704

Mortgage

Document Number	0M2161/139
Date	May 19, 2022
Book Page	M2161/139
Instrument	2014092584

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	890 Months
Due	Jul 17, 2096

Interest

Rate Type	Adjustable Rate
Rate	3.46%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	8.46%

May 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MADISON KY
Recording Date	May 13, 2020
Property Address	108 SPRINGHILL WAY, BEREA, KY 40403-8704
Document Number	D00787/676
Book / Page	D00787 / 676
Map Reference	CAB 13 SL 199
Instrument Date	May 1, 2020
Instrument	2014011877
Transaction Type	Transfer
Record Updated	Dec 17, 2021
Title Company	TIMIOS INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	108 SPRINGHILL WAY, BEREA, KY 40403-8704

Mortgage

Document Number	2014011878
Date	May 13, 2020
Instrument	2014011878

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Kentucky
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	$1,470.00 (-0.68%) Homeowner's exemption	$205,000 (+3.02%)	$205,000 (+3.02%)
2023	$1,480.00 Homeowner's exemption	$199,000	$199,000

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	1 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 63% of the US · above 67% of Kentucky
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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	KIRKSVILLE WATER ASSOCIATION private · serves 5,940 people · EPA ID KY0760672
Water Source	Purchased surface water from RICHMOND UTILITIES
Last State Inspection	Nov 2024
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 35 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
Windstream DSL	100 / 20

May also be available: Verizon.

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