Madison County property record for 112 Commerce Dr, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,652 sqft |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $162,300 (May 2019) |
| Tax Bill | $1,593 (2025) |
| Deeds & Mortgages | Mar 2017 Mortgage Sep 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0048-0000-0027-ZAD |
| Primary APN | 0048-0000-0027-ZAD |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,652 sqft Living Area |
| Exterior Material | Brick |
|---|---|
| Construction Type | Wood |
| Roof Material | Composition Shingle |
| Lot Area | 9,583 sqft (0.22 acres) |
| Garage Type | Attached |
| Garage Area | 432 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 231 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 52798 |
|---|---|
| Street Address | 112 COMMERCE DR |
| City | BEREA |
| State | KY |
| Zip | 40403-8870 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | INTERSTATE BUSINESS CENTER LOT 29 |
| Legal Subdivision | INTERSTATE BUS CNTR |
| Legal Lot Number | 29 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 11401 |
Source: Madison County records, as of December 9, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 112 COMMERCE DR, BEREA, KY 40403-8870 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 29, 2017 | Deed of Trust, Mortgage ARK TEX FINANCIAL SERVICES LLC |
| Sep 21, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage BETTER MORTGAGE CORPORATION |
| May 29, 2019 | Deed, Transfer · FHA Mortgage BANK OF ENGLAND |
| Mar 29, 2017 | Deed, Transfer · FHA Mortgage ARK-LA-TEX FINANCE SERVICES LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 29, 2019 · Amount on Record |
| Deed Sale | May 29, 2019 · Amount on Record |
| Prior Sale | Mar 29, 2017 · Amount on Record |
| Deed Document Number | 20192013993156 |
| Deed Book / Page | 774 / 292 |
| Last Transfer Date | Sep 10, 2021 |
| Transfer Doc | 00D811/608 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 112 COMMERCE DR, BEREA, KY 40403-8870 |
| Transaction Type | Mortgage |
| Record Updated | Dec 17, 2021 |
| Name | Verified Name |
|---|
| Document Number | M01734/186 |
|---|---|
| Date | Mar 29, 2017 |
| Book Page | M01734/186 |
| Instrument | 2013956401 |
| Name | ARK TEX FINANCIAL SERVICES LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | PLANO, TX 75024 |
| Amount | Amount Recorded |
|---|---|
| Term | 121 Months |
| Due | Apr 1, 2027 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Sep 21, 2021 |
| Property Address | 112 COMMERCE DR, BEREA, KY 40403-8870 |
| Document Number | 00D811/608 |
| Book / Page | D811 / 608 |
| Map Reference | CAB 21 SL 315 |
| Instrument Date | Sep 10, 2021 |
| Instrument | 2014054170 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Document Number | 2014054175 |
|---|---|
| Date | Sep 21, 2021 |
| Instrument | 2014054175 |
| Name | BETTER MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | May 29, 2019 |
| Property Address | 112 COMMERCE DR, BEREA, KY 40403-8870 |
| Document Number | D00774/292 |
| Book / Page | D00774 / 292 |
| Map Reference | CAB 21 SL 315 |
| Instrument Date | May 17, 2019 |
| Instrument | 2013993156 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Title Company | FOUNDATION T&E SERIES LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $162.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 161 GENERAL CLEBURN DR, 161, RICHMOND, KY 40475-8870 |
| Name | Verified Name |
|---|---|
| Address | 112 COMMERCE DR, BEREA, KY 40403-8870 |
| Investor | Possibly a Property Investor |
| Document Number | 2013993157 |
|---|---|
| Date | May 29, 2019 |
| Instrument | 2013993157 |
| Name | BANK OF ENGLAND |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2049 |
| Document Number | M01865/273 |
|---|---|
| Date | May 29, 2019 |
| Book Page | M01865/273 |
| Instrument | 2013993158 |
| Name | LEXINGTON-FAYETTE URBAN COUNTY GOV |
|---|---|
| Type | Government Agency |
| Address | FRANKFORT, KY 40601 |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Jun 1, 2029 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 12% |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Mar 29, 2017 |
| Property Address | 112 COMMERCE DR, BEREA, KY 40403-8870 |
| Document Number | D00742/701 |
| Book / Page | D00742 / 701 |
| Map Reference | CAB21 SL315 |
| Instrument Date | Mar 24, 2017 |
| Instrument | 2013956399 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $144.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 605 S DOGWOOD DR, 605, RICHMOND, KY 40475 |
| Name | Verified Name |
|---|---|
| Address | 112 COMMERCE DR, BEREA, KY 40403-8870 |
| Document Number | 2013956400 |
|---|---|
| Date | Mar 29, 2017 |
| Instrument | 2013956400 |
| Name | ARK-LA-TEX FINANCE SERVICES LLC |
|---|---|
| Type | Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2047 |
Source: Madison County assessment roll, as of December 9, 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 | $1,593.00 (+1.21%) | $169,000 (+4.13%) | $169,000 (+4.13%) |
| 2023 | $1,574.00 | $162,300 | $162,300 |
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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