112 Stillwater Dr, Berea, KY 40403 Property Records

Madison County property record for 112 Stillwater Dr, Berea, KY 40403

Property Summary

Property Type	Other
Owner	Individual Name on File
Last Sale	$259,900 (Mar 2025)
Tax Bill	$2,450 (2025)
Deeds & Mortgages	Mar 2025 Sale & Mortgage Apr 2024 Sale
Flood Zone	Zone X (minimal risk)
APN	`0072-0018-0066`

Property Details

APN / Parcel Number

Primary APN	`0072-0018-0066`
Alternative APN	`43590`

Location & Zoning

Account Number	43590
Street Address	112 STILLWATER DR
City	BEREA
State	KY
Zip	40403-7002
Property Category	Other
Property Type	Other > Miscellaneous
Legal Description	STONEY CREEK LOT 66 UNIT 3 PH 1-A
Legal Subdivision	STONEY CREEK
Legal Phase	1
Legal Lot Number	66
Legal Unit	3
Jurisdiction	MADISON KY
Township / Civil Division	RICHMOND
Census Block Group	1
Census Block	1032
Census Tract	10901

Owner

112 Stillwater Dr is owned and occupied by an individual who bought it in March 2025.

Source: Madison County records, as of January 19, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	112 CASSIUS CT, BEREA, KY 40403-2011
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2025	Warranty Deed, Transfer · FHA Mortgage ARK-LA-TEX FINANCE SERVICES LLC
Apr 2, 2024	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 20, 2025 · Amount on File
Deed Sale	Mar 20, 2025 · Amount on File
Prior Sale	Apr 2, 2024 · Amount on File
Deed Document Number	2014251224
Deed Book / Page	D865 / 289
Record Updated	Jun 8, 2026

March 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Mar 20, 2025
Property Address	112 STILLWATER DR, BEREA, KY 40403-7002
Document Number	00D865/289
Book / Page	D865 / 289
Map Reference	MB 30 PG 360
Instrument Date	Mar 18, 2025
Instrument	2014251224
Transaction Type	Transfer
Record Updated	Jan 20, 2026
Title Company	TREY TITLE LLC, TRUE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$260.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	404 HUMMINGBIRD LN, BOLINGBROOK, IL 60440-4977

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	112 CASSIUS CT, BEREA, KY 40403-2011

Mortgage

Document Number	2014251225
Date	Mar 20, 2025
Instrument	2014251225

Lender

Name	ARK-LA-TEX FINANCE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2055

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Apr 2, 2024
Property Address	112 STILLWATER DR, BEREA, KY 40403-7002
Document Number	00D850/484
Book / Page	D850 / 484
Map Reference	MB 30 PG 360
Instrument Date	Mar 29, 2024
Instrument	2014197206
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount on Record
Tax	$260.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	414 DREYFUS RD, BEREA, KY 40403-9692

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 STILLWATER DR, BEREA, KY 40403-7002

Tax Assessment & Valuation

The 2025 property tax bill for 112 Stillwater Dr was $2,450 with an additional exemption.

Source: Madison County assessment roll, as of April 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
Municipality	Berea City
County	Madison County
Unified School District	Madison County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,450.00 Additional exemption filed	$259,900	$259,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 112 Stillwater Dr in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1979.

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	2 in force
Nearby Flood Claims	4 (1979–2023)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Feb 2023 · rainfall accumulation

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.

Wildfire

Wildfire risk around 112 Stillwater Dr is low, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · above 67% of Kentucky
Wildfire Likelihood	0.05% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 130 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	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Stillwater Dr

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