Madison County property record for 109 Raven Dr, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 1,248 sqft |
| Lot Size | 1.06 acres (46,174 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $190,000 (Oct 2019) |
| Tax Bill | $1,819 (2025) |
| Deeds & Mortgages | Aug 2025 Line of Credit Oct 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0072-0003-0011 |
| Primary APN | 0072-0003-0011 |
|---|---|
| Alternative APNs |
|
| Building Area | 1,248 sqft Living Area |
|---|---|
| 1st Floor Area | 1,248 sqft |
| Basement Area | 1,248 sqft |
| Unfinished Basement | 1,248 sqft |
| Architectural Style | Split Foyer |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 46,174 sqft (1.06 acres) |
| Account Number | 45499 |
|---|---|
| Street Address | 109 RAVEN DR |
| City | BEREA |
| State | KY |
| Zip | 40403-8707 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EAGLES LANDING LOT 11 |
| Legal Subdivision | EAGLES LANDING |
| Legal Lot Number | 11 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 10901 |
109 Raven Dr is owned and occupied by two individuals who acquired it in August 2021.
Source: Madison County records, as of December 9, 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 109 RAVEN DR, BEREA, KY 40403-8707 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 4, 2025 | Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF KENTUCKY FCU |
| Oct 5, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC |
| Oct 29, 2019 | Deed, Transfer · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC |
| Jul 16, 2019 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 29, 2019 · Amount on File |
| Deed Sale | Oct 29, 2019 · Amount on File |
| Deed Document Number | 20192014001390 |
| Deed Book / Page | 780 / 465 |
| Last Transfer Date | Aug 31, 2021 |
| Transfer Doc | D812/373 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 109 RAVEN DR, BEREA, KY 40403-8707 |
| Transaction Type | Mortgage |
| Record Updated | Nov 27, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0M2398/748 |
|---|---|
| Date | Aug 4, 2025 |
| Book Page | M2398/748 |
| Instrument | 2014276062 |
| Name | UNIVERSITY OF KENTUCKY FCU |
|---|---|
| Type | Credit Union |
| Address | LEXINGTON, KY 40509 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 239 Months |
| Due | Jul 25, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Oct 5, 2021 |
| Property Address | 109 RAVEN DR, BEREA, KY 40403-8707 |
| Document Number | D812/373 |
| Book / Page | D812 / 373 |
| Map Reference | MB 14 PG 191 |
| Instrument Date | Aug 31, 2021 |
| Instrument | 2014056520 |
| Transaction Type | Transfer |
| Record Updated | Oct 25, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 109 RAVEN DR, BEREA, KY 40403-8707 |
| Document Number | 2014056521 |
|---|---|
| Date | Oct 5, 2021 |
| Instrument | 2014056521 |
| Name | ARK-LA-TEX FINANCIAL SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Sep 1, 2036 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Oct 29, 2019 |
| Property Address | 109 RAVEN DR, BEREA, KY 40403-8707 |
| Document Number | D00780/465 |
| Book / Page | D00780 / 465 |
| Map Reference | MB 14 PG 191 |
| Instrument Date | Oct 22, 2019 |
| Instrument | 2014001390 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $190.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 2195, RICHMOND, KY 40476-2195 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 109 RAVEN DR, BEREA, KY 40403-8707 |
| Document Number | 2014001391 |
|---|---|
| Date | Oct 29, 2019 |
| Instrument | 2014001391 |
| Name | ARK-LA-TEX FINANCIAL SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2049 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jul 16, 2019 |
| Property Address | 109 RAVEN DR, BEREA, KY 40403-8707 |
| Document Number | D00776/004 |
| Book / Page | D00776 / 004 |
| Map Reference | MB 28 PG 255 |
| Instrument Date | Jul 11, 2019 |
| Instrument | 2013995600 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 109 RAVEN DR, 109, BEREA, KY 40403-8707 |
| Name | Verified Name |
|---|---|
| Address | 109 RAVEN DR, BEREA, KY 40403-8707 |
The 2025 property tax bill for 109 Raven Dr was $1,819.
Source: Madison County assessment roll, as of December 9, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,819.00 | $193,000 | $193,000 |
| 2023 | $1,872.00 | $193,000 | $193,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Raven Dr in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1979.
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 | 2 in force |
| Nearby Flood Claims | 4 (1979–2023) |
| Claims Outside the SFHA | 2 of 4 |
| Most Recent Claim | Feb 2023 · rainfall accumulation |
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 risk around 109 Raven Dr is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · above 70% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.05% 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 | 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 |
| Also Mapped Here | MADISON CO UTILITIES DISTRICT |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 53 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 |
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