114 Cedar Dr, Berea, KY 40403 Property Records

Madison County property record for 114 Cedar Dr, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Lot Size	1.04 acres (45,302 sqft)
Owner	Individual Name on File
Last Sale	$173,000 (May 2020)
Tax Bill	$1,631 (2025)
Deeds & Mortgages	Mar 2023 Mortgage May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0097-0001-0022`

Property Details

APN / Parcel Number

Primary APN	`0097-0001-0022`
Alternative APNs	`136529` `99305` `66479`

Exterior

Lot Area	45,302 sqft (1.04 acres)

Location & Zoning

Account Number	66479
Street Address	114 CEDAR DR
City	BEREA
State	KY
Zip	40403-9675
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CEDAR POINTE LOT 22 SEC 1
Legal Subdivision	CEDAR POINTE
Legal Lot Number	22
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	1
Census Block	1005
Census Tract	11103

Owner

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

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	114 CEDAR DR, BEREA, KY 40403-9675
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2023	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
May 13, 2020	Deed, Transfer · FHA Mortgage BANK OF ENGLAND

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 13, 2020 · Amount on Record
Deed Sale	May 13, 2020 · Amount on Record
Prior Sale	Aug 3, 2011 · Amount on Record
Deed Document Number	2014011895
Deed Book / Page	D00787 / 709
Record Updated	Jun 8, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	114 CEDAR DR, BEREA, KY 40403-9675
Transaction Type	Mortgage
Record Updated	Jun 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 CEDAR DR, BEREA, KY 40403-9675

Mortgage

Document Number	0M2225/141
Date	Mar 31, 2023
Book Page	M2225/141
Instrument	2014138514

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

May 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	May 13, 2020
Property Address	114 CEDAR DR, BEREA, KY 40403-9675
Document Number	D00787/709
Book / Page	D00787 / 709
Map Reference	MB 9 PG 346
Instrument Date	May 11, 2020
Instrument	2014011895
Transaction Type	Transfer
Record Updated	Feb 17, 2023
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$173.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1052 DIAMOND BROOK DR, RICHMOND, KY 40475-7618

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	114 CEDAR DR, BEREA, KY 40403-9675

Mortgage

Document Number	2014011896
Date	May 13, 2020
Instrument	2014011896

Lender

Name	BANK OF ENGLAND
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Kentucky
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	$1,631.00 (-2.8%) Additional exemption filed	$173,000 (-)	$173,000 (-)
2023	$1,678.00	$173,000	$173,000

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 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	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	0.08% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MADISON CO UTILITIES DISTRICT serves 25,120 people · EPA ID KY0760224
Water Source	Purchased surface water from RICHMOND UTILITIES
Last State Inspection	Nov 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Jun 2019
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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Uniti Group Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Metronet Holdings.

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