Madison County property record for 109 Elm St, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 1,616 sqft |
| Lot Size | 0.797 acres (34,748 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $95,700 (Sep 2025) |
| Tax Bill | $1,071 (2025) |
| Flood Zone | Zone X (moderate risk) |
| APN | B011-0001-0005 |
| Primary APN | B011-0001-0005 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,616 sqft Living Area |
| Exterior Material | Brick Veneer |
|---|---|
| Lot Area | 34,748 sqft (0.797 acres) |
| Garage Area | 384 sqft |
| Parking Spaces | 1 Parking Space |
| Account Number | 55829 |
|---|---|
| Street Address | 109 ELM ST |
| City | BEREA |
| State | KY |
| Zip | 40403-1815 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 3 |
| Legal Lot Number | 3 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 11304 |
Source: Madison County records, as of July 1, 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 | 164 WILLIAMS LN, BEREA, KY 40403-1892 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 11, 2025 · Amount on Record |
| Deed Sale | Sep 11, 2025 · Amount on Record |
| Prior Sale | Aug 28, 2023 · Amount on Record |
| Deed Document Number | 202514284681 |
| Deed Book / Page | 873 / 44 |
| Record Updated | Sep 20, 2026 |
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 | $1,071.00 (+96.88%) Homeowner's exemption | $139,000 (+57.95%) | $139,000 (+57.95%) |
| 2023 | $544.00 Homeowner's exemption | $88,000 | $88,000 |
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 X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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 | 0.03% 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 | 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 77 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Windstream Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile.
5G (outdoors only) and 4G LTE
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