Madison County property record for 111 Pearl St, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 1,522 sqft |
| Lot Size | 0.178 acres (7,765 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $129,000 (Oct 2025) |
| Tax Bill | $1,537 (2025) |
| Deeds & Mortgages | Mar 2021 Transfer Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | B006-0020-0015 |
| Primary APN | B006-0020-0015 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,522 sqft Living Area |
| 1st Floor Area | 1,116 sqft |
| Basement Area | 1,116 sqft |
| Unfinished Basement | 1,116 sqft |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Lot Area | 7,765 sqft (0.178 acres) |
| Account Number | 62341 |
|---|---|
| Street Address | 111 PEARL ST |
| City | BEREA |
| State | KY |
| Zip | 40403-1622 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DESC |
| Legal Subdivision | J K BAKER ADDITION |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 11301 |
111 Pearl St is owned and occupied by two individuals who bought it in October 2025.
Source: Madison County records, as of December 9, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 111 PEARL ST, BEREA, KY 40403-1622 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
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 |
|---|---|
| Mar 10, 2021 | Intrafamily Transfer, Transfer |
| Mar 10, 2021 | Affidavit, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 1, 2025 · Amount on File |
| Deed Sale | Oct 1, 2025 · Amount on File |
| Prior Sale | Dec 27, 2024 · Amount on File |
| Deed Document Number | 202514289230 |
| Deed Book / Page | 874 / 24 |
| Prior Transfer Date | Sep 26, 2025 |
| Prior Transfer Doc | 0014289230 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Mar 10, 2021 |
| Property Address | 111 PEARL ST, BEREA, KY 40403-1622 |
| Document Number | D802/213 |
| Book / Page | D802 / 213 |
| Map Reference | MB 1 PG 8 |
| Instrument Date | Mar 1, 2021 |
| Instrument | 2014031164 |
| Transaction Type | Transfer |
| Record Updated | Jun 28, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 111 PEARL ST, BEREA, KY 40403-1622 |
| Document Type | Affidavit |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Mar 10, 2021 |
| Property Address | 111 PEARL ST, BEREA, KY 40403-1622 |
| Document Number | D802/211 |
| Book / Page | D802 / 211 |
| Map Reference | MB 1 PG 8 |
| Instrument Date | Mar 1, 2021 |
| Instrument | 2014031163 |
| Transaction Type | Transfer |
| Record Updated | Jun 28, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 111 PEARL ST, BEREA, KY 40403-1622 |
| Document Number | 2014031165 |
|---|---|
| Date | Mar 10, 2021 |
| Instrument | 2014031165 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
The 2025 property tax bill for 111 Pearl St was $1,537.
Source: Madison County assessment roll, as of December 9, 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 | $1,537.00 | $129,000 | $129,000 |
| 2023 | $1,281.00 | $98,000 | $98,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 111 Pearl St 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 111 Pearl St is low, with a 0.02% 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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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 364 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 · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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