Madison County property record for 109 Washington Ave, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 1,090 sqft |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | Individual Name on File |
| Last Sale | $190,000 (May 2025) |
| Tax Bill | $1,907 (2025) |
| Deeds & Mortgages | Dec 2011 Line of Credit May 2025 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | B006-0014-0020 |
| Primary APN | B006-0014-0020 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,090 sqft Living Area |
| Exterior Material | Brick/Stone |
|---|---|
| Lot Area | 4,792 sqft (0.11 acres) |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Gas |
| Account Number | 76652 |
|---|---|
| Street Address | 109 WASHINGTON AVE |
| City | BEREA |
| State | KY |
| Zip | 40403-1535 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 0.11 ACRES |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 11201 |
109 Washington Ave is owned and occupied by an individual who bought it in May 2025.
Source: Madison County records, as of February 2, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 109 WASHINGTON AVE, BEREA, KY 40403-1535 |
| 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.
| Date | Document |
|---|---|
| Dec 12, 2011 | Deed of Trust, Mortgage · Line of Credit KENTUCKY HOUSING CORP |
| May 7, 2025 | Deed, Transfer · Conventional Mortgage GENEVA FINANCIAL LLC |
| Jan 4, 2022 | Deed, Transfer · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC |
| Jul 14, 2020 | Deed, Transfer · VA Mortgage AMERICAN MORTGAGE SERVICES |
| Mar 9, 2020 | Limited Warranty Deed, Transfer · Line of Credit COMMUNITY TRUST BANK INC |
| Oct 1, 2019 | Deed in Lieu of Foreclosure, Foreclosure SERVICELINK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 7, 2025 · Amount on File |
| Deed Sale | May 7, 2025 · Amount on File |
| Prior Sale | Jan 4, 2022 · Amount on File |
| Deed Document Number | 2014259145 |
| Deed Book / Page | D867 / 258 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 109 WASHINGTON AVE, BEREA, KY 40403-1535 |
| Transaction Type | Mortgage |
| Record Updated | Feb 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0M1425/611 |
|---|---|
| Date | Dec 12, 2011 |
| Book Page | M1425/611 |
| Instrument | 470299 |
| Name | KENTUCKY HOUSING CORP |
|---|---|
| Type | Government Agency |
| Address | FRANKFORT, KY 40601 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Dec 6, 2016 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | May 7, 2025 |
| Property Address | 109 WASHINGTON AVE, BEREA, KY 40403-1535 |
| Document Number | 00D867/258 |
| Book / Page | D867 / 258 |
| Map Reference | MB 8 PG 134 |
| Instrument Date | Apr 30, 2025 |
| Instrument | 2014259145 |
| Transaction Type | Transfer |
| Record Updated | Feb 3, 2026 |
| Title Company | UNKNOWN, LAND GROUP TITLE LLC |
| 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 | 1072 BREEZY LN, BEREA, KY 40403-9691 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 109 WASHINGTON AVE, BEREA, KY 40403-1535 |
| Document Number | 2014259148 |
|---|---|
| Date | May 7, 2025 |
| Instrument | 2014259148 |
| Name | GENEVA FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2055 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jan 4, 2022 |
| Property Address | 109 WASHINGTON AVE, BEREA, KY 40403-1535 |
| Document Number | 00D816/632 |
| Book / Page | D816 / 632 |
| Map Reference | MB 8 PG 134 |
| Instrument Date | Dec 30, 2021 |
| Instrument | 2014070758 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $160.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 117 OAK VIEW DR, MT STERLING, KY 40353-7020 |
| Name | Verified Name |
|---|---|
| Address | 109 WASHINGTON AVE, BEREA, KY 40403-1535 |
| Document Number | 2014070759 |
|---|---|
| Date | Jan 4, 2022 |
| Instrument | 2014070759 |
| Name | SIERRA PACIFIC MORTGAGE CO INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jul 14, 2020 |
| Property Address | 109 WASHINGTON AVE, BEREA, KY 40403-1535 |
| Document Number | D00790/533 |
| Book / Page | D00790 / 533 |
| Instrument Date | Jul 10, 2020 |
| Instrument | 2014015705 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Title Company | BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $133.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 411 HIGHWAY 3091, SOMERSET, KY 42503-5744 |
| Name | Verified Name |
|---|---|
| Address | 109 WASHINGTON AVE, BEREA, KY 40403-1535 |
| Document Number | 2014015706 |
|---|---|
| Date | Jul 14, 2020 |
| Instrument | 2014015706 |
| Name | AMERICAN MORTGAGE SERVICES |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Mar 9, 2020 |
| Property Address | 109 WASHINGTON AVE, BEREA, KY 40403-1535 |
| Document Number | D00785/361 |
| Book / Page | D00785 / 361 |
| Map Reference | MB 8 PG 134 |
| Instrument Date | Jan 29, 2020 |
| Instrument | 2014008633 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $44.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 380 W DATA DR # DR110, DR110, DRAPER, UT 84020-2308 |
| Name | Verified Name |
|---|---|
| Address | 109 WASHINGTON AVE, BEREA, KY 40403-1535 |
| Document Number | 2014008634 |
|---|---|
| Date | Mar 9, 2020 |
| Instrument | 2014008634 |
| Name | COMMUNITY TRUST BANK INC |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 10 Months |
| Due | Jan 29, 2021 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed in Lieu of Foreclosure |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Oct 1, 2019 |
| Property Address | 109 WASHINGTON AVE, BEREA, KY 40403-1535 |
| Document Number | D00779/143 |
| Book / Page | D00779 / 143 |
| Map Reference | MB 8 PG 134 |
| Instrument Date | Sep 10, 2019 |
| Instrument | 2013999664 |
| Transaction Type | Foreclosure |
| Record Updated | Jan 20, 2026 |
| Title Company | SERVICELINK |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Name | Verified Name |
|---|---|
| Address | 4680 WALNUT MEADOW RD, PAINT LICK, KY 40461-8582 |
| Name | Verified Name |
|---|---|
| Address | 9990 RICHMOND AVE STE 400S, 400S, HOUSTON, TX 77042-8500 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 109 Washington Ave was $1,907 with an additional exemption.
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 | $1,907.00 Additional exemption filed | $160,000 | $160,000 |
| 2023 | $2,092.00 | $160,000 | $160,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Washington Ave in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 109 Washington Ave 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 | 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 22 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Windstream Fiber · DSL | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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