Madison County property record for 109 Bridge Ave, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 2,961 sqft |
| Lot Size | 0.407 acres (17,763 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $230,000 (Jun 2026) |
| Tax Bill | $2,384 (2025) |
| Deeds & Mortgages | Nov 2023 Mortgage Jun 2026 Sale & Mortgage + 3 more |
| Flood Zone | Zone AE (high risk) |
| APN | B010-0011-0004 |
| Primary APN | B010-0011-0004 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,961 sqft Living Area |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Lot Area | 17,763 sqft (0.407 acres) |
| Garage Type | Detached |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Heating System | Hot Water |
|---|
| Account Number | 51159 |
|---|---|
| Street Address | 109 BRIDGE AVE |
| City | BEREA |
| State | KY |
| Zip | 40403-1803 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BLUEBIRD LOT 20-29 BLK C |
| Legal Subdivision | BLUEBIRD |
| Legal Block | C |
| Legal Lot Number | 20-29 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 11304 |
Source: Madison County records, as of June 18, 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 | 109 BRIDGE AVE, BEREA, KY 40403-1803 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Nov 21, 2023 | Deed of Trust, Mortgage · Commercial Mortgage WHITAKER BANK INC |
| Jun 2, 2026 | Warranty Deed, Transfer · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC |
| Jan 18, 2019 | Deed, Transfer PEOPLES BANK & TRUST CO OF MADISON |
| Jul 9, 2018 | Special Warranty Deed, Foreclosure SERVICELINK |
| Mar 29, 2018 | Commissioner's Deed, Foreclosure |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 2, 2026 · Amount on Record |
| Deed Sale | Jun 2, 2026 · Amount on Record |
| Prior Sale | Jan 18, 2019 · Amount on Record |
| Deed Document Number | 202614352636 |
| Deed Book / Page | 883 / 476 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 109 BRIDGE AVE, BEREA, KY 40403-1803 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2026 |
| Name | Verified Name |
|---|---|
| Address | 114 VANWINKLE GRV, BEREA, KY 40403-1322 |
| Document Number | 0M2270/753 |
|---|---|
| Date | Nov 21, 2023 |
| Book Page | M2270/753 |
| Instrument | 2014178558 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Address | MINNEAPOLIS, MN 55439 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2053 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jun 2, 2026 |
| Property Address | 109 BRIDGE AVE, BEREA, KY 40403-1803 |
| Document Number | 0014352636 |
| Book / Page | 883 / 476 |
| Instrument Date | May 29, 2026 |
| Instrument | 202614352636 |
| Transaction Type | Transfer |
| Record Updated | Jun 18, 2026 |
| Title Company | TREY TITLE LLC, TRUE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $23,230.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Remainderman |
| Address | 109 BRIDGE AVE, BEREA, KY 40403-1803 |
| Document Number | 0014352642, |
|---|---|
| Date | Jun 2, 2026 |
| Instrument | 202614352642 |
| Name | ARK-LA-TEX FINANCIAL SERVICES LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jan 18, 2019 |
| Property Address | 109 BRIDGE AVE, BEREA, KY 40403-1803 |
| Document Number | D00769/148 |
| Book / Page | D00769 / 148 |
| Map Reference | MB 2 PG 28 |
| Instrument Date | Jan 15, 2019 |
| Instrument | 2013987324 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 40 MARIETTA ST NW, 40, ATLANTA, GA 30303-2812 |
| Name | Verified Name |
|---|---|
| Address | 114 VANWINKLE GRV, BEREA, KY 40403-1322 |
| Document Number | 2013987325 |
|---|---|
| Date | Jan 18, 2019 |
| Instrument | 2013987325 |
| Name | PEOPLES BANK & TRUST CO OF MADISON |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jul 9, 2018 |
| Property Address | 109 BRIDGE AVE, BEREA, KY 40403-1803 |
| Document Number | D00761/546 |
| Book / Page | D00761 / 546 |
| Map Reference | MB2 PG28 |
| Instrument Date | Apr 16, 2018 |
| Instrument | 2013978351 |
| Transaction Type | Foreclosure |
| Record Updated | Aug 10, 2022 |
| Title Company | SERVICELINK |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1661 WORTHINGTON RD STE 100, 1661, WEST PALM BEACH, FL 33409-6493 |
| Name | Verified Name |
|---|---|
| Address | 24014 23RD ST 1D, 1D, OKLAHOMA CITY, OK 73107 |
| Mail Care Of | ISN CORP SHEPHERD MALL OFFICE COMPLEX |
| Investor | Possibly a Property Investor |
| Document Type | Commissioner's Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Mar 29, 2018 |
| Property Address | 109 BRIDGE AVE, BEREA, KY 40403-1803 |
| Document Number | D00757/357 |
| Book / Page | D00757 / 357 |
| Map Reference | MB02 PG28 |
| Instrument Date | Dec 21, 2017 |
| Instrument | 2013973550 |
| Transaction Type | Foreclosure |
| Record Updated | Aug 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 1661 WORTHINGTON RD STE 100, 100, WEST PALM BEACH, FL 33409-6493 |
Source: Madison County assessment roll, as of December 9, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| Municipality | Berea City |
| County | Madison County |
| Unified School District | Berea Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,384.00 (+25.74%) | $200,000 (+37.93%) | $200,000 (+37.93%) |
| 2023 | $1,896.00 | $145,000 | $145,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective December 21, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 20 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 20 in force |
| Nearby Flood Claims | 8 (2010–2026) |
| Claims Outside the SFHA | 2 of 8 |
| Most Recent Claim | Jun 2026 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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: 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 | 0.01% annual chance |
| Exposure | None beyond ember reach |
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 | BEREA MUNICIPAL UTILITIES private · serves 9,972 people · EPA ID KY0760030 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2023 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 182 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 |
| Verizon Fixed Wireless | 300 / 20 |
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