1081 Jd Cir, Berea, KY 40403 Property Records

Madison County property record for 1081 Jd Cir, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Details	1,201 sqft
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on Record
Last Sale	$136,900 (Dec 2018)
Tax Bill	$1,140 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Jun 2026 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`0073-0005-0048`

Property Details

APN / Parcel Number

Primary APN	`0073-0005-0048`
Alternative APNs	`120443` `83451` `49916`

Interior

Building Area	1,201 sqft Living Area
1st Floor Area	620 sqft
Basement Area	620 sqft
Unfinished Basement	620 sqft

Exterior

Architectural Style	Split Foyer
Exterior Material	Brick
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Basement
Garage Area	580 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	49916
Street Address	1081 JD CIR
City	BEREA
State	KY
Zip	40403-9131
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BUSH BOTTOM ESTS LOT 48
Legal Subdivision	BUSH BOTTOM
Legal Lot Number	48
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	3
Census Block	3003
Census Tract	11101

Owner

Source: Madison County records, as of June 29, 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 Record
Mailing Address	1081 JD CIR, BEREA, KY 40403-9131
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2026	Deed of Trust, Mortgage · Conventional Mortgage APPALACHIAN COMMUNITY FEDERAL CREDIT UNION
Jun 5, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Aug 25, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage APPALACHIAN COMMUNITY FCU
Oct 11, 2024	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC
Feb 23, 2024	Intrafamily Transfer, Transfer
Dec 27, 2018	Warranty Deed, Transfer · USDA Mortgage USDA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 27, 2018 · Amount on Record
Deed Sale	Dec 27, 2018 · Amount on Record
Prior Sale	Jul 24, 2007 · Amount on Record
Deed Document Number	20182013986451
Deed Book / Page	768 / 325
Last Transfer Date	Feb 6, 2024
Transfer Doc	00D849/205
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Recording Date	Jun 16, 2026
Property Address	1081 JD CIR, BEREA, KY 40403-9131
Document Number	0014355894
Book / Page	2476 / 171
Instrument Date	Jun 10, 2026
Instrument	202614355894
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1081 JD CIR, BEREA, KY 40403-9131

Mortgage

Document Number	0014355894,
Date	Jun 16, 2026
Book Page	2476/171
Instrument	202614355894

Lender

Name	APPALACHIAN COMMUNITY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 1, 2036

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MADISON KY
Recording Date	Jun 5, 2026
Property Address	1081 JD CIR, BEREA, KY 40403-9131
Document Number	0014353871
Book / Page	883 / 701
Instrument Date	Jun 5, 2026
Instrument	202614353871
Transaction Type	Transfer
Record Updated	Aug 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1081 JD CIR, BEREA, KY 40403-9131

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	1081 JD CIR, BEREA, KY 40403-9131
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M2255/693
Date	Aug 25, 2023
Book Page	M2255/693
Instrument	2014163729

Lender

Name	APPALACHIAN COMMUNITY FCU
Type	Credit Union
Address	KINGSPORT, TN 37660

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Sep 1, 2033

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	1081 JD CIR, BEREA, KY 40403-9131
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1080 JD CIR, BEREA, KY 40403-9131

Mortgage

Document Number	0M2332/462
Date	Oct 11, 2024
Book Page	M2332/462
Instrument	2014226029

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

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

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MADISON KY
Recording Date	Feb 23, 2024
Property Address	1081 JD CIR, BEREA, KY 40403-9131
Document Number	00D849/205
Book / Page	D849 / 205
Map Reference	MB 13 PG 194
Instrument Date	Feb 6, 2024
Instrument	2014191764
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	1081 JD CIRCIE, BEREA, KY 40403-9131

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Dec 27, 2018
Property Address	1081 JD CIR, BEREA, KY 40403-9131
Document Number	D00768/325
Book / Page	D00768 / 325
Map Reference	MB 13 PG 194
Instrument Date	Dec 10, 2018
Instrument	2013986451
Transaction Type	Transfer
Record Updated	Jan 20, 2026
Title Company	KENTUCKY LAND TITLE, KENTUCKY MTN LAND TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$137.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1081 JD CIR, BEREA, KY 40403-9131

Mortgage

Document Number	2013986452
Date	Dec 27, 2018
Instrument	2013986452

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	396 Months
Due	Dec 10, 2051

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	$1,140.00 (+3.45%) Homeowner's exemption	$170,000 (+6.25%)	$170,000 (+6.25%)
2023	$1,102.00 Homeowner's exemption	$160,000	$160,000

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	4 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 66% of the US · above 66% of Kentucky
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 110 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

May also be available: Windstream.

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