Madison County property record for 109 High St, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 1,800 sqft |
| Lot Size | 0.219 acres (9,583 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $195,000 (Oct 2022) |
| Tax Bill | $2,324 (2025) |
| Deeds & Mortgages | Aug 2020 Line of Credit Oct 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | B006-0018-0004 |
| Primary APN | B006-0018-0004 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,800 sqft Living Area |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Lot Area | 9,583 sqft (0.219 acres) |
| Account Number | 54394 |
|---|---|
| Street Address | 109 HIGH ST |
| City | BEREA |
| State | KY |
| Zip | 40403-1520 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TRACT B (.22 ACRES) |
| Legal Tract | B |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 11201 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Berea Downtown Commercial and Residential Historic District listed 2020 · 57 contributing resources · NRIS 100005909 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Madison County records, as of December 8, 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 | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 109 HIGH ST, BEREA, KY 40403-1520 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 20, 2020 | Deed of Trust, Mortgage · Line of Credit COMMONWEALTH CU INC |
| Oct 4, 2022 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 4, 2022 · Amount on Record |
| Deed Sale | Oct 4, 2022 · Amount on Record |
| Deed Document Number | 2014114298 |
| Deed Book / Page | D830 / 38 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 109 HIGH ST, BEREA, KY 40403-1520 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2023 |
| Name | Verified Name |
|---|
| Document Number | M01970/127 |
|---|---|
| Date | Aug 20, 2020 |
| Book Page | M01970/127 |
| Instrument | 2014018482 |
| Name | COMMONWEALTH CU INC |
|---|---|
| Type | Credit Union |
| Address | FRANKFORT, KY 40601 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Oct 4, 2022 |
| Property Address | 109 HIGH ST, BEREA, KY 40403-1520 |
| Document Number | 000D830/38 |
| Book / Page | D830 / 38 |
| Map Reference | MB 18 PG 103 |
| Instrument Date | Sep 28, 2022 |
| Instrument | 2014114298 |
| Transaction Type | Transfer |
| Record Updated | Mar 7, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $195.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5725 WAVELAND CIR, PROSPECT, KY 40059-8666 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 109 HIGH ST, BEREA, KY 40403-1520 |
Source: Madison County assessment roll, as of April 1, 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 | $2,324.00 (-8.86%) Additional exemption filed | $195,000 (-) | $195,000 (-) |
| 2023 | $2,550.00 | $195,000 | $195,000 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; 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 | 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.
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 364 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 · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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