109 Castle Dr, Berea, KY 40403 Property Records

Madison County property record for 109 Castle Dr, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Details	1,609 sqft
Lot Size	0.439 acres (19,166 sqft)
Owner	Individual Name on File
Last Sale	$145,000 (May 2022)
Tax Bill	$1,886 (2025)
Deeds & Mortgages	May 2022 Sale & Line of Credit Jun 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0074-0001-0031-C`

Property Details

APN / Parcel Number

Primary APN	`0074-0001-0031-C`
Alternative APNs	`101549` `138789` `68824`

Interior

Stories	2 Stories
Building Area	1,609 sqft Living Area

Exterior

Architectural Style	Split Level
Exterior Material	Brick
Lot Area	19,166 sqft (0.439 acres)
Garage Type	Basement
Garage Area	675 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	68824
Street Address	109 CASTLE DR
City	BEREA
State	KY
Zip	40403-9354
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CRYSTAL MEADOWS LOT 3
Legal Subdivision	CRYSTAL MEADOWS
Legal Lot Number	3
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	1
Census Block	1006
Census Tract	11101

Owner

109 Castle Dr is owned and occupied by an individual who bought it in May 2022.

Source: Madison County records, as of December 8, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	109 CASTLE DR, BEREA, KY 40403-9354
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.

Deeds, Mortgages & Sale History

Date	Document
May 3, 2022	Warranty Deed, Transfer · Line of Credit CITIZENS BANK
Jun 8, 2020	Warranty Deed, Transfer · Conventional Mortgage STOCKTON MORTGAGE CORP
Dec 11, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 2022 · Amount on File
Deed Sale	May 3, 2022 · Amount on File
Prior Sale	Jun 8, 2020 · Amount on File
Deed Document Number	2014090102
Deed Book / Page	D822 / 537
Record Updated	Jun 8, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	May 3, 2022
Property Address	109 CASTLE DR, BEREA, KY 40403-9354
Document Number	00D822/537
Book / Page	D822 / 537
Map Reference	MB 27 SL 83
Instrument Date	Apr 27, 2022
Instrument	2014090102
Transaction Type	Transfer
Record Updated	Jul 11, 2023

Transaction

Amount	Amount on Record
Tax	$145.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2194 ELMBURG RD, SHELBYVILLE, KY 40065-8932

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 CASTLE DR, BEREA, KY 40403-9354

Mortgage

Document Number	2014090103
Date	May 3, 2022
Instrument	2014090103

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Apr 27, 2052

Interest

Rate Type	Adjustable Rate

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Jun 8, 2020
Property Address	109 CASTLE DR, BEREA, KY 40403-9354
Document Number	D00788/713
Book / Page	D00788 / 713
Map Reference	MB 17 PG 144
Instrument Date	Jun 6, 2020
Instrument	2014013445
Transaction Type	Transfer
Record Updated	Aug 10, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$192.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5642 SCAFFOLD CANE RD, 5642, MOUNT VERNON, KY 40456-7192

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 CASTLE DR, BEREA, KY 40403-9354

Mortgage

Document Number	2014013446
Date	Jun 8, 2020
Instrument	2014013446

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2050

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Dec 11, 2019
Property Address	109 CASTLE DR, BEREA, KY 40403-9354
Document Number	D00782/194
Book / Page	D00782 / 194
Map Reference	MB 17 PG 144
Instrument Date	Dec 9, 2019
Instrument	2014003788
Transaction Type	Transfer
Record Updated	Aug 10, 2022

Transaction

Amount	Amount on Record
Tax	$156.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	721 CADLEWOOD CIRCLE #11, 721, BEREA, KY 40403

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 BOATWRIGHT DR, PAINT LICK, KY 40461-4944

Tax Assessment & Valuation

The 2025 property tax bill for 109 Castle Dr was $1,886 with an additional exemption.

Source: Madison County assessment roll, as of April 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
Municipality	Berea City
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	$1,886.00 Additional exemption filed	$200,000	$200,000
2023	$1,867.00 (-0.32%)	$192,500 (-)	$192,500 (-)
2022	$1,873.00	$192,500	$192,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 109 Castle Dr in Zone X, an area of minimal flood risk.

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 9 (5% 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

Wildfire risk around 109 Castle Dr 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.

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 126 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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