109 Valley St, Berea, KY 40403 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,080 sqft · built 1945
Owner	Individual Name on Record
Last Sale	$65,000 (Feb 2010)
Tax Bill	$1,096 (2025)
Flood Zone	Zone X (minimal risk)
APN	`B007-0009-0009`

Property Details

APN / Parcel Number

Primary APN	`B007-0009-0009`
Alternative APNs	`124624` `87554` `54198`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,080 sqft Living Area

Exterior

Year Built	Built 1945
Exterior Material	Aluminum/Vinyl

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Forced Air

Location & Zoning

Account Number	54198
Street Address	109 VALLEY ST
City	BEREA
State	KY
Zip	40403-1626
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1-2
Legal Lot Number	1-2
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	2
Census Block	2001
Census Tract	11301

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	109 VALLEY ST, BEREA, KY 40403-1626
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 22, 2010 · Amount on Record
Deed Sale	Feb 22, 2010 · Amount on Record
Deed Document Number	439817
Deed Book / Page	D654 / 324
Record Updated	Jun 8, 2026

Tax Assessment & Valuation

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	Berea Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,096.00 (+21.51%) Additional exemption filed	$92,000 (+33.33%)	$92,000 (+33.33%)
2023	$902.00	$69,000	$69,000

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

Flood

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 8 (10% premium discount)
Nearby Flood Policies	3 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

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	0.02% 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.

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 74 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