Madison County property record for 1095 Breezy Ln, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Lot Size | 2.08 acres (91,040 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $315,000 (Jul 2025) |
| Tax Bill | $1,423 (2025) |
| Deeds & Mortgages | Apr 2023 Mortgage Mar 2023 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0084-0003-0004 |
| Primary APN | 0084-0003-0004 |
|---|---|
| Alternative APNs |
|
| Lot Area | 91,040 sqft (2.08 acres) |
|---|
| Account Number | 49380 |
|---|---|
| Street Address | 1095 BREEZY LN |
| City | BEREA |
| State | KY |
| Zip | 40403-9691 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BREEZY POINT ESTS LOT 4 PH 2 |
| Legal Subdivision | BREEZY POINT |
| Legal Phase | 2 |
| Legal Lot Number | 4 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 11103 |
Source: Madison County records, as of December 8, 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 | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 1095 BREEZY LN, BEREA, KY 40403-9691 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 27, 2023 | Deed of Trust, Mortgage · Commercial Mortgage WHITAKER BANK INC |
| Mar 1, 2023 | Deed of Trust, Mortgage · Line of Credit WHITAKER BANK INC |
| Jan 14, 2020 | Deed of Trust, Mortgage · Line of Credit PEOPLES BANK & TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 18, 2025 · Amount on Record |
| Deed Sale | Jul 18, 2025 · Amount on Record |
| Deed Document Number | 2014273136 |
| Deed Book / Page | D870 / 375 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 1095 BREEZY LN, BEREA, KY 40403-9691 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1095 BREEZY LN, BEREA, KY 40403-9691 |
| Document Number | 0M2230/254 |
|---|---|
| Date | Apr 27, 2023 |
| Book Page | M2230/254 |
| Instrument | 2014142346 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40555 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | May 1, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 1095 BREEZY LN, BEREA, KY 40403-9691 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1095 BREEZY LN, BEREA, KY 40403-9691 |
| Document Number | 0M2219/266 |
|---|---|
| Date | Mar 1, 2023 |
| Book Page | M2219/266 |
| Instrument | 2014134005 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40555 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Feb 13, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 1095 BREEZY LN, BEREA, KY 40403-9691 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | M01911/491 |
|---|---|
| Date | Jan 14, 2020 |
| Book Page | M01911/491 |
| Instrument | 2014005386 |
| Name | PEOPLES BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | BEREA, KY 40403 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 36 Months |
| Due | Jan 13, 2023 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $1,423.00 (-2.8%) Additional exemption filed | $151,000 (-) | $151,000 (-) |
| 2023 | $1,464.00 | $151,000 | $151,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | 1 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 | Low lower than 64% of the US · above 67% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.04% 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 | MADISON CO UTILITIES DISTRICT serves 25,120 people · EPA ID KY0760224 |
|---|---|
| Water Source | Purchased surface water from RICHMOND UTILITIES |
| Last State Inspection | Nov 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | E. coli resolved · Jun 2019 |
|---|---|
| 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 82 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 |
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