109 Scruggs St, Berea, KY 40403 Property Records

Madison County property record for 109 Scruggs St, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Details	750 sqft
Owner	Individual Name on File
Last Sale	$55,000 (Feb 1997)
Tax Bill	$650 (2025)
Flood Zone	Zone X (minimal risk)
APN	`B008-0022-0002`

Property Details

APN / Parcel Number

Primary APN	`B008-0022-0002`
Alternative APNs	`125410` `88350` `54994`

Interior

Stories	1 Story
Building Area	750 sqft Living Area

Exterior

Porch	Porch
Porch Area	153 sqft

Location & Zoning

Account Number	54994
Street Address	109 SCRUGGS ST
City	BEREA
State	KY
Zip	40403-1230
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DIXIE HIGHWAY PARK TRACT B
Legal Subdivision	DIXIE HWY
Legal Tract	B
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	3
Census Block	3005
Census Tract	11202

Owner

109 Scruggs St is owned and occupied by an individual who bought it in February 1997.

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

Owner of Record	Individual Name on File
Mailing Address	5872 BATTLEFIELD MEMORIAL HWY, BEREA, KY 40403-8363
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 12, 1997 · Amount on File
Deed Sale	Feb 12, 1997 · Amount on File
Deed Document Number	0000048475
Record Updated	Jun 8, 2026

Tax Assessment & Valuation

The 2025 property tax bill for 109 Scruggs St was $650 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	$650.00 Additional exemption filed	$69,000	$69,000
2023	$640.00	$66,000	$66,000

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

Flood

FEMA maps place 109 Scruggs St 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
Flood Insurance Cost	Premium on File median of 10 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	10 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 Scruggs St is low, with a 0.01% annual chance of wildfire.

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 284 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