Madison County property record for 114 Oak St, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 1,048 sqft |
| Lot Size | 0.271 acres (11,840 sqft) |
| Owner | Individual Name on File |
| Last Sale | $164,850 (Jan 2020) |
| Tax Bill | $1,965 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Oct 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | B006-0004-0011 |
| Primary APN | B006-0004-0011 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,048 sqft Living Area |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Roof Material | Composition Shingle |
| Lot Area | 11,840 sqft (0.271 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 54940 |
|---|---|
| Street Address | 114 OAK ST |
| City | BEREA |
| State | KY |
| Zip | 40403-1412 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NEW BEREA LOT 9-11 BLK C |
| Legal Subdivision | NEW BEREA |
| Legal Block | C |
| Legal Lot Number | 9-11 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 11201 |
114 Oak St is owned and occupied by an individual who bought it in January 2020.
Source: Madison County records, as of July 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 114 OAK ST, BEREA, KY 40403-1412 |
| 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.
| Date | Document |
|---|---|
| Jul 8, 2026 | Deed of Trust, Mortgage · Conventional Mortgage UNLOCK PARTNERSHIP SOLUTIONS INC |
| Oct 27, 2021 | Deed of Trust, Mortgage · FHA Mortgage VILLAGE CAPITAL & INVESTMENT LLC |
| Mar 4, 2021 | Deed of Trust, Mortgage · FHA Mortgage VILLAGE CAPITAL & INVESTMENT LLC |
| Nov 6, 2019 | Deed of Trust, Mortgage PEOPLES BANK & TRUST CO OF MADISON CNTY |
| Jan 7, 2020 | Warranty Deed, Transfer · FHA Mortgage RIVER CITY MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 7, 2020 · Amount on File |
| Deed Sale | Jan 7, 2020 · Amount on File |
| Deed Document Number | 202014005056 |
| Deed Book / Page | 783 / 131 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jul 8, 2026 |
| Property Address | 114 OAK ST, BEREA, KY 40403-1412 |
| Document Number | 0014360890 |
| Book / Page | 2482 / 271 |
| Instrument Date | Jun 26, 2026 |
| Instrument | 202614360890 |
| Transaction Type | Mortgage |
| Record Updated | Jul 17, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 114 OAK ST, BEREA, KY 40403-1412 |
| Document Number | 0014360890, |
|---|---|
| Date | Jul 8, 2026 |
| Book Page | 2482/271 |
| Instrument | 202614360890 |
| Name | UNLOCK PARTNERSHIP SOLUTIONS INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jun 25, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.53% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 114 OAK ST, BEREA, KY 40403-1412 |
| Transaction Type | Mortgage |
| Record Updated | Nov 8, 2021 |
| Name | Verified Name |
|---|
| Document Number | M2104/564 |
|---|---|
| Date | Oct 27, 2021 |
| Book Page | M2104/564 |
| Instrument | 2014060900 |
| Name | VILLAGE CAPITAL & INVESTMENT LLC |
|---|---|
| Type | Mortgage Company |
| Address | HENDERSON, NV 89074 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 114 OAK ST, BEREA, KY 40403-1412 |
| Transaction Type | Mortgage |
| Record Updated | Mar 18, 2021 |
| Title Company | NOT AVAILABLE, NETCO |
| Name | Verified Name |
|---|
| Document Number | M2028/643 |
|---|---|
| Date | Mar 4, 2021 |
| Book Page | M2028/643 |
| Instrument | 2014030681 |
| Name | VILLAGE CAPITAL & INVESTMENT LLC |
|---|---|
| Type | Mortgage Company |
| Address | HENDERSON, NV 89052 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 114 OAK ST, BEREA, KY 40403-1412 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | M01899/298 |
|---|---|
| Date | Nov 6, 2019 |
| Book Page | M01899/298 |
| Instrument | 2014001929 |
| Name | PEOPLES BANK & TRUST CO OF MADISON CNTY |
|---|---|
| Type | Bank |
| Address | BEREA, KY 40403 |
| Amount | Amount on Record |
|---|---|
| Term | 12 Months |
| Due | Nov 5, 2020 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jan 7, 2020 |
| Property Address | 114 OAK ST, BEREA, KY 40403-1412 |
| Document Number | D00783/131 |
| Book / Page | D00783 / 131 |
| Map Reference | MB 1 PG 9 |
| Instrument Date | Dec 30, 2019 |
| Instrument | 2014005056 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Title Company | 360 AMERICAN TITLE SERVICES |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $165.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 507 GLADES RD, 507, BEREA, KY 40403-1256 |
| Name | Verified Name |
|---|---|
| Address | 114 OAK ST, BEREA, KY 40403-1412 |
| Document Number | 2014005057 |
|---|---|
| Date | Jan 7, 2020 |
| Instrument | 2014005057 |
| Name | RIVER CITY MORTGAGE LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2050 |
The 2025 property tax bill for 114 Oak St was $1,965.
Source: Madison County assessment roll, as of December 9, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| Municipality | Berea City |
| County | Madison County |
| Unified School District | Berea Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,965.00 | $164,850 | $164,850 |
| 2023 | $2,156.00 | $164,850 | $164,850 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 114 Oak St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective December 21, 2017
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 114 Oak St is low, with a 0.01% annual chance of 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 | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 364 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 |
| AT&T Fixed Wireless | 100 / 20 |
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