Madison County property record for 113 Phillips St, Berea, KY 40403 · Last verified January 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 821 sqft |
| Owner | Individual Name on File |
| Last Sale | $160,000 (Sep 2025) |
| Tax Bill | $1,788 (2025) |
| Deeds & Mortgages | Feb 2020 Mortgage Jun 2025 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | B007-0010-0019 |
| Primary APN | B007-0010-0019 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 821 sqft Living Area |
| Exterior Material | Aluminum/Vinyl |
|---|
| Cooling System | Wall Unit |
|---|---|
| Heating System | Forced Air |
| Account Number | 74278 |
|---|---|
| Street Address | 113 PHILLIPS ST |
| City | BEREA |
| State | KY |
| Zip | 40403-1624 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 1 |
| Legal Lot Number | 1 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 11301 |
Source: Madison County records · APN B007-0010-0019
Assessment roll updated April 1, 2025 · Last verified January 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 113 PHILLIPS ST, BEREA, KY 40403-1624 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage STOCKTON MORTGAGE CORP |
| Jun 12, 2025 | Deed of Trust, Mortgage · Conventional Mortgage TRADITIONAL BANK INC |
| Sep 05, 2025 | Warranty Deed, Transfer · Conventional Mortgage TRADITIONAL BANK INC |
| Jun 25, 2024 | Deed, Transfer · Conventional Mortgage SAGE HOME LOANS CORP |
| Jun 20, 2023 | Deed, Transfer · Conventional Mortgage STOCK YARDS BANK & TRUST CO |
| May 17, 2022 | Warranty Deed, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 05, 2025 · Amount on Record |
| Deed Sale | Sep 05, 2025 · Amount on Record |
| Prior Sale | Jun 25, 2024 · Amount on Record |
| Deed Document Number | 2014283087 |
| Deed Book / Page | D872 / 577 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 113 PHILLIPS ST, BEREA, KY 40403-1624 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Title Company | CLEAR TITLE |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | M01918/633 |
|---|---|
| Date | Feb 14, 2020 |
| Book Page | M01918/633 |
| Instrument | 2014007368 |
| Name | STOCKTON MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | FRANKFORT, KY 40601 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 113 PHILLIPS ST, BEREA, KY 40403-1624 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Title Company | TREY TITLE LLC, TRUE TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 113 PHILLIPS ST, BEREA, KY 40403-1624 |
| Document Number | 0M2385/552 |
|---|---|
| Date | Jun 12, 2025 |
| Book Page | M2385/552 |
| Instrument | 2014266881 |
| Name | TRADITIONAL BANK INC |
|---|---|
| Type | Bank |
| Address | MOUNT STERLING, KY 40353 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.37% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jul 01, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 4.37% |
| Max Rate At Change | 8.37% |
| Index | 1-Year CMT |
| Max Rate | 11.3% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Sep 05, 2025 |
| Property Address | 113 PHILLIPS ST, BEREA, KY 40403-1624 |
| Document Number | 00D872/577 |
| Book / Page | D872 / 577 |
| Map Reference | MB 10 PG 53 |
| Instrument Date | Aug 29, 2025 |
| Instrument | 2014283087 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Title Company | TRUE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $160.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 716 HACKNEY CT, RICHMOND, KY 40475-8671 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 113 PHILLIPS ST, BEREA, KY 40403-1624 |
| Document Number | 0M2407/197 |
|---|---|
| Date | Sep 05, 2025 |
| Book Page | M2407/197 |
| Instrument | 2014283091 |
| Name | TRADITIONAL BANK INC |
|---|---|
| Type | Bank |
| Address | MOUNT STERLING, KY 40353 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2055 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jun 25, 2024 |
| Property Address | 113 PHILLIPS ST, BEREA, KY 40403-1624 |
| Document Number | 00D854/163 |
| Book / Page | D854 / 163 |
| Map Reference | MB 10 PG 53 |
| Instrument Date | Jun 21, 2024 |
| Instrument | 2014209987 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Title Company | BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $150.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 341 ANTIOCH RD, LULA, GA 30554-3307 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 113 PHILLIPS ST, BEREA, KY 40403-1624 |
| Document Number | 2014209991 |
|---|---|
| Date | Jun 25, 2024 |
| Instrument | 2014209991 |
| Name | SAGE HOME LOANS CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2054 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jun 20, 2023 |
| Property Address | 113 PHILLIPS ST, BEREA, KY 40403-1624 |
| Document Number | 00D839/730 |
| Book / Page | D839 / 730 |
| Map Reference | MB 10 PG 53 |
| Instrument Date | Jun 16, 2023 |
| Instrument | 2014151723 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Title Company | BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $135.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 695 CLARK RD, IRVINE, KY 40336-9536 |
| Name | Verified Name |
|---|---|
| Address | 120 PARK CREST CT APT 12, 12, RICHMOND, KY 40475-8391 |
| Document Number | 2014151727 |
|---|---|
| Date | Jun 20, 2023 |
| Instrument | 2014151727 |
| Name | STOCK YARDS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | May 17, 2022 |
| Property Address | 113 PHILLIPS ST, BEREA, KY 40403-1624 |
| Document Number | 00D823/288 |
| Book / Page | D823 / 288 |
| Map Reference | MB 10 PG 53 |
| Instrument Date | May 16, 2022 |
| Instrument | 2014092143 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $110.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 680 SHAKER DR, RICHMOND, KY 40475-7652 |
| Name | Verified Name |
|---|---|
| Address | 113 PHILLIPS ST, BEREA, KY 40403-1624 |
Source: Madison County records · Assessment roll updated April 1, 2025 · Last verified January 2026
| Type | Name |
|---|---|
| State | Kentucky |
| Municipality | Berea City |
| County | Madison County |
| Unified School District | Berea Independent School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,788.00 (+24.34%) Additional exemption filed | $150,000 (+36.36%) | $150,000 (+36.36%) |
| 2023 | $1,438.00 (+146.66%) | $110,000 (+139.13%) | $110,000 (+139.13%) |
| 2022 | $583.00 | $46,000 | $46,000 |
Source: FEMA National Flood Hazard Layer, Madison County (21151C), updated December 21, 2017 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211510113012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 3 in force |
| Wildfire Risk | Low above 20% of the US · above 37% of Kentucky |
|---|---|
| Wildfire Likelihood | About 1 in 4,348 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 74 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Metronet Holdings | Fiber | 5,120 / 5,120 |
| Uniti Group | Fiber | 2,000 / 2,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: Uniti Group. Availability varies by address; speeds are provider-advertised maximums, not measured.
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