Madison County property record for 1092 Mae Stephens Rd, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Lot Size | 5.28 acres (229,997 sqft) |
| Owner | Individual Name on File |
| Last Sale | $234,000 (Mar 2019) |
| Tax Bill | $2,323 (2025) |
| Deeds & Mortgages | Jan 2018 Line of Credit Jul 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0100-0000-0035-F |
| Primary APN | 0100-0000-0035-F |
|---|---|
| Alternative APNs |
|
| Lot Area | 229,997 sqft (5.28 acres) |
|---|
| Account Number | 72903 |
|---|---|
| Street Address | 1092 MAE STEPHENS RD |
| City | BEREA |
| State | KY |
| Zip | 40403-9677 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 5.28 ACRES |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 11102 |
Source: Madison County assessment roll, as of April 1, 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 1092 MAE STEPHENS RD, BEREA, KY 40403-9677 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 8, 2018 | Deed of Trust, Mortgage · Line of Credit PARK COMMUNITY FCU |
| Jul 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CENTRAL BANK & TRUST CO |
| Mar 22, 2019 | Warranty Deed, Transfer · Conventional Mortgage CENTRAL BANK & TRUST CO |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 22, 2019 · Amount on Record |
| Deed Sale | Mar 22, 2019 · Amount on Record |
| Prior Sale | Dec 29, 2010 · Amount on Record |
| Deed Document Number | 2013989929 |
| Deed Book / Page | D00771 / 305 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 1092 MAE STEPHENS RD, BEREA, KY 40403-9677 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | M01783/754 |
|---|---|
| Date | Jan 8, 2018 |
| Book Page | M01783/754 |
| Instrument | 2013970110 |
| Name | PARK COMMUNITY FCU |
|---|---|
| Type | Credit Union |
| Address | LOUISVILLE, KY 40299 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Dec 25, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 1092 MAE STEPHENS RD, BEREA, KY 40403-9677 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | 00M2069/23 |
|---|---|
| Date | Jul 1, 2021 |
| Book Page | M2069/23 |
| Instrument | 2014043267 |
| Name | CENTRAL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40507 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Mar 22, 2019 |
| Property Address | 1092 MAE STEPHENS RD, BEREA, KY 40403-9677 |
| Document Number | D00771/305 |
| Book / Page | D00771 / 305 |
| Map Reference | MB 9 PG 325 |
| Instrument Date | Mar 20, 2019 |
| Instrument | 2013989929 |
| Transaction Type | Transfer |
| Record Updated | Feb 17, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $234.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 112 RAVEN DR, BEREA, KY 40403-8707 |
| Name | Verified Name |
|---|---|
| Address | 1092 MAE STEPHENS RD, BEREA, KY 40403-9677 |
| Document Number | 2013989930 |
|---|---|
| Date | Mar 22, 2019 |
| Instrument | 2013989930 |
| Name | CENTRAL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2049 |
Source: Madison County assessment roll, as of April 1, 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 | $2,323.00 (-2.64%) Additional exemption filed | $234,000 (-) | $234,000 (-) |
| 2023 | $2,386.00 | $234,000 | $234,000 |
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 · 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 | 9 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · above 73% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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 |
| 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 58 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Uniti Group Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
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