1130 Sweetwater Rd, Berea, KY 40403 Property Records

Rockcastle County property record for 1130 Sweetwater Rd, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,016 sqft · built 2002
Lot Size	3.59 acres (156,816 sqft)
Owner	2 Individual Names on Record
Tax Bill	$821 (2025)
Deeds & Mortgages	Sep 2024 Line of Credit Oct 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`029-00-033.03`

Property Details

APN / Parcel Number

Primary APN	`029-00-033.03`
Alternative APNs	`1875901` `937801`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Building Area	2,016 sqft Living Area

Exterior

Year Built	Built 2002
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	156,816 sqft (3.59 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	937801
Street Address	1130 SWEETWATER RD
City	BEREA
State	KY
Zip	40403-8585
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3.6 ACRES & HOUSE
Jurisdiction	ROCKCASTLE KY
Township / Civil Division	CONWAY
Census Block Group	2
Census Block	2010
Census Tract	950100

Owner

Source: Rockcastle County records, as of January 22, 2026

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	1130 SWEETWATER RD, BEREA, KY 40403-8585
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2024	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Oct 27, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jan 6, 2005	Deed of Trust, Mortgage · Line of Credit COMMUNITY TRUST BANK INC
Dec 8, 2022	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Deed Document Number	0000190627
Record Updated	Sep 20, 2026

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKCASTLE KY
Property Address	1130 SWEETWATER RD, BEREA, KY 40403-8585
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1130 SWEETWATER RD, BEREA, KY 40403-8585

Mortgage

Document Number	000352/308
Date	Sep 20, 2024
Book Page	352/308
Instrument	406534

Lender

Name	CITIZENS BANK
Type	Bank
Address	MOUNT VERNON, KY 40456

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Sep 11, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKCASTLE KY
Property Address	1130 SWEETWATER RD, BEREA, KY 40403-8585
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1130 SWEETWATER RD, BEREA, KY 40403-8585
Investor	Possibly a Property Investor

Mortgage

Document Number	000333/389
Date	Oct 27, 2022
Book Page	333/389
Instrument	372894

Lender

Name	CITIZENS BANK
Type	Bank
Address	MOUNT VERNON, KY 40456

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 6, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKCASTLE KY
Property Address	1130 SWEETWATER RD, BEREA, KY 40403-8585
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	MTG000/247
Date	Jan 6, 2005
Book Page	MTG 000/247
Instrument	217635

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank
Address	RICHMOND, KY 40475

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Dec 23, 2019

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ROCKCASTLE KY
Recording Date	Dec 8, 2022
Property Address	1130 SWEETWATER RD, BEREA, KY 40403-8585
Document Number	000285/524
Book / Page	285 / 524
Instrument Date	Oct 6, 2022
Instrument	373314
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Tax	$65.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	239 NAPIER RD, BRODHEAD, KY 40409-8704

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1130 SWEETWATER RD, BEREA, KY 40403-8585
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Rockcastle County assessment roll, as of August 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Rockcastle County
Unified School District	Rockcastle County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$821.00 (+15.15%) Homeowner's exemption	$150,000 (+13.21%)	$150,000 (+13.21%)
2023	$713.00	$132,500	$132,500

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

Flood

Source: FEMA National Flood Hazard Layer, effective August 3, 2009 · 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
Nearby Flood Policies	1 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.

Wildfire

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

Wildfire Risk	Low lower than 62% of the US · above 68% of Kentucky
Wildfire Likelihood	0.06% 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	WESTERN ROCKCASTLE WATER ASSOC private · serves 12,623 people · EPA ID KY1020891
Water Source	Purchased surface water from several systems
Last State Inspection	Aug 2025
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Windstream DSL	200 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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