114 Forest St, Berea, KY 40403 Property Records

Madison County property record for 114 Forest St, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,823 sqft
Lot Size	0.239 acres (10,415 sqft)
Owner	2 Individual Names on Record
Last Sale	$80,000 (May 2017)
Tax Bill	$1,214 (2025)
Deeds & Mortgages	Mar 2018 Line of Credit May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`B010-0008-0006`

Property Details

APN / Parcel Number

Primary APN	`B010-0008-0006`
Alternative APNs	`119117` `82151` `48577`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,823 sqft Living Area
1st Floor Area	1,431 sqft
Basement Area	1,431 sqft
Unfinished Basement	1,431 sqft

Exterior

Exterior Material	Brick Veneer
Lot Area	10,415 sqft (0.239 acres)
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	48577
Street Address	114 FOREST ST
City	BEREA
State	KY
Zip	40403-1779
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2
Legal Lot Number	2
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	1
Census Block	1008
Census Tract	11303

Owner

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	114 FOREST ST, BEREA, KY 40403-1779
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2018	Deed of Trust, Mortgage · Line of Credit US BANK NA
May 26, 2017	Intrafamily Transfer, Transfer · Commercial Mortgage JACKSON COUNTY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2017 · Amount on Record
Deed Sale	May 26, 2017 · Amount on Record
Deed Document Number	20172013959210
Deed Book / Page	00745 / 276
Prior Transfer Date	May 25, 2017
Prior Transfer Doc	D00745/276
Record Updated	Oct 29, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	114 FOREST ST, BEREA, KY 40403-1779
Transaction Type	Mortgage
Record Updated	Apr 6, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01794/652
Date	Mar 26, 2018
Book Page	M01794/652
Instrument	2013973331

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Feb 24, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MADISON KY
Recording Date	May 26, 2017
Property Address	114 FOREST ST, BEREA, KY 40403-1779
Document Number	D00745/276
Book / Page	D00745 / 276
Map Reference	CAB1 SL219
Instrument Date	May 25, 2017
Instrument	2013959210
Transaction Type	Transfer
Record Updated	Dec 17, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$80.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	712 PIKE LN, 712, LANCASTER, KY 40444-9534

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 FOREST ST, BEREA, KY 40403-1779

Mortgage

Document Number	2013959211
Date	May 26, 2017
Instrument	2013959211

Lender

Name	JACKSON COUNTY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 25, 2027

Tax Assessment & Valuation

Source: Madison County assessment roll, as of December 9, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,214.00 (+18.09%) Homeowner's exemption	$151,000 (+20.8%)	$151,000 (+20.8%)
2023	$1,028.00 Homeowner's exemption	$125,000	$125,000

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 57 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	57 in force
Nearby Flood Claims	2 (2010–2025)
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides

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 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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	BEREA MUNICIPAL UTILITIES private · serves 9,972 people · EPA ID KY0760030
Water Source	Surface water
Last State Inspection	May 2023
Lead	Under 1 ppb (2022–2024) 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 280 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 · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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