Madison County property record for 115 Cedar Dr, Berea, KY 40403 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Lot Size | 1.03 acres (45,181 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $338,500 (Jul 2026) |
| Tax Bill | $1,555 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Nov 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0097-0001-0010 |
| Primary APN | 0097-0001-0010 |
|---|---|
| Alternative APNs |
|
| Lot Area | 45,181 sqft (1.03 acres) |
|---|
| Account Number | 41084 |
|---|---|
| Street Address | 115 CEDAR DR |
| City | BEREA |
| State | KY |
| Zip | 40403-9675 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CEDAR POINTE LOT 10 SEC 1 |
| Legal Subdivision | CEDAR POINTE |
| Legal Lot Number | 10 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 11103 |
Source: Madison County records · APN 0097-0001-0010
Assessment roll updated December 9, 2025 · Last verified August 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 File |
|---|---|
| Mailing Address | 115 CEDAR DR, BEREA, KY 40403-9675 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jul 14, 2026 | Deed, Transfer · VA Mortgage DEPARTMENT OF INTERIOR FEDERAL CREDIT UNION |
| Nov 17, 2021 | Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 14, 2026 · Amount on Record |
| Deed Sale | Jul 14, 2026 · Amount on Record |
| Deed Document Number | 202614361994 |
| Deed Book / Page | 885 / 512 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jul 14, 2026 |
| Property Address | 115 CEDAR DR, BEREA, KY 40403-9675 |
| Document Number | 0014361994 |
| Book / Page | 885 / 512 |
| Instrument Date | Jul 10, 2026 |
| Instrument | 202614361994 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2026 |
| Title Company | BLUEGRASS LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $34,188.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 115 CEDAR DR, BEREA, KY 40403-9675 |
| Document Number | 0014361997, |
|---|---|
| Date | Jul 14, 2026 |
| Instrument | 202614361997 |
| Name | DEPARTMENT OF INTERIOR FEDERAL CREDIT UNION |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2056 |
| Rate | 6.53% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 115 CEDAR DR, BEREA, KY 40403-9675 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2023 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 000M2111/1 |
|---|---|
| Date | Nov 17, 2021 |
| Book Page | M2111/1 |
| Instrument | 2014064349 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2051 |
Source: Madison County records · Assessment roll updated December 9, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Madison County |
| Unified School District | Madison County 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 | $1,555.00 (+16.92%) | $165,000 (+20.26%) | $165,000 (+20.26%) |
| 2023 | $1,330.00 | $137,200 | $137,200 |
Source: FEMA National Flood Hazard Layer, Madison County (21151C), updated December 21, 2017 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 40% of the US · above 71% of Kentucky |
|---|---|
| Wildfire Likelihood | About 1 in 1,250 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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