Madison County property record for 111 Commerce Dr, Berea, KY 40403
| Property Type | Duplex |
|---|---|
| Details | 3 bd · 2 ba · 2,936 sqft |
| Lot Size | 0.219 acres (9,583 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $260,000 (Dec 2022) |
| Tax Bill | $2,451 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage Dec 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0048-0000-0027-ZF |
| Primary APN | 0048-0000-0027-ZF |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,936 sqft Living Area |
| Exterior Material | Brick |
|---|---|
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,583 sqft (0.219 acres) |
| Garage Type | Attached |
| Garage Area | 352 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 60 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 72421 |
|---|---|
| Street Address | 111 COMMERCE DR |
| City | BEREA |
| State | KY |
| Zip | 40403-6534 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | INTERSTATE BUSINESS CENTER LOT 6 |
| Legal Subdivision | INTERSTATE BUS CNTR |
| Legal Lot Number | 6 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 11401 |
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 |
|---|---|
| Mailing Address | 111 COMMERCE DR, BEREA, KY 40403-6534 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 23, 2026 | Deed of Trust, Mortgage · FHA Mortgage FIFTH THIRD BANK NA |
| Dec 14, 2022 | Deed, Transfer · FHA Mortgage FIFTH THIRD BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 14, 2022 · Amount on Record |
| Deed Sale | Dec 14, 2022 · Amount on Record |
| Prior Sale | Apr 3, 2006 · Amount on Record |
| Deed Document Number | 2014123698 |
| Deed Book / Page | D832 / 571 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 111 COMMERCE DR, BEREA, KY 40403-6534 |
| Transaction Type | Mortgage |
| Record Updated | Feb 4, 2026 |
| Name | Verified Name |
|---|---|
| Address | 111 COMMERCE DR 2, 2, BEREA, KY 40403-6571 |
| Document Number | 0M2440/397 |
|---|---|
| Date | Jan 23, 2026 |
| Book Page | M2440/397 |
| Instrument | 2014313455 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Dec 14, 2022 |
| Property Address | 111 COMMERCE DR, BEREA, KY 40403-6534 |
| Document Number | 00D832/571 |
| Book / Page | D832 / 571 |
| Map Reference | CAB 21 SL 315 |
| Instrument Date | Dec 7, 2022 |
| Instrument | 2014123698 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $260.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2286 GUYNN RD, PAINT LICK, KY 40461-8407 |
| Name | Verified Name |
|---|---|
| Address | 111 COMMERCE DR, BEREA, KY 40403-6534 |
| Document Number | 2014123701 |
|---|---|
| Date | Dec 14, 2022 |
| Instrument | 2014123701 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2053 |
Source: Madison County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| Municipality | Berea City |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,451.00 (-2.82%) Additional exemption filed | $260,000 (-) | $260,000 (-) |
| 2023 | $2,522.00 | $260,000 | $260,000 |
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 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.
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 | 0.03% annual chance |
| Exposure | Indirect within ember reach |
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 | 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 127 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Windstream DSL · Fiber in parts of the area | 100 / 20 |
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