115 Locker Ct, Berea, KY 40403 Property Records

Madison County property record for 115 Locker Ct, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Details	1,176 sqft
Lot Size	0.162 acres (7,071 sqft)
Owner	2 Individual Names on Record
Last Sale	$110,000 (May 2026)
Tax Bill	$1,207 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`073C-0000-0135`

Property Details

APN / Parcel Number

Primary APN	`073C-0000-0135`
Alternative APNs	`136832` `99611` `66790`

Interior

Stories	1 Story
Building Area	1,176 sqft Living Area

Exterior

Exterior Material	Brick Veneer
Lot Area	7,071 sqft (0.162 acres)

Location & Zoning

Account Number	66790
Street Address	115 LOCKER CT
City	BEREA
State	KY
Zip	40403-1138
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ROSELAWN LOT 21 SEC 3 BLK F
Legal Subdivision	ROSELAWN
Legal Block	F
Legal Lot Number	21
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	3
Census Block	3011
Census Tract	11202

Owner

Source: Madison County records, as of July 6, 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	115 LOCKER CT, BEREA, KY 40403-1138
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2026	Warranty Deed, Transfer · Conventional Mortgage AMERICAN FINANCIAL
Apr 24, 2026	Warranty Deed, Transfer · Conventional Mortgage AMERICAN FINANCIAL SERVICES INC
May 4, 2026	Special Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Dec 12, 2025	Deed, Construction Loan · Construction Mortgage ROBERT CLARK
Nov 24, 2020	Deed, Transfer · Conventional Mortgage DAS ACQUISITION
Oct 3, 2018	Deed, Transfer · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC
Oct 13, 2017	Commissioner's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 4, 2026 · Amount on Record
Deed Sale	May 4, 2026 · Amount on Record
Prior Sale	Apr 24, 2026 · Amount on Record
Deed Document Number	202614344784
Deed Book / Page	882 / 276
Record Updated	Sep 20, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Apr 24, 2026
Property Address	115 LOCKER CT, BEREA, KY 40403-1138
Document Number	00D881/617
Book / Page	881 / 617
Instrument Date	Apr 22, 2026
Instrument	202614342038
Transaction Type	Transfer
Record Updated	Jul 6, 2026
Title Company	TRUE TITLE, TRUE TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$21,967.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 LOCKER CT, BEREA, KY 40403-1138

Mortgage

Document Number	0014342042,
Date	Apr 24, 2026
Instrument	202614342042

Lender

Name	AMERICAN FINANCIAL

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Apr 24, 2026
Property Address	115 LOCKER CT, BEREA, KY 40403-1138
Document Number	0014342038
Book / Page	881 / 617
Instrument Date	Apr 22, 2026
Instrument	2026.14342038
Transaction Type	Transfer
Record Updated	May 8, 2026
Title Company	TREY TITLE LLC, TRUE TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$21,967.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 LOCKER CT, BEREA, KY 40403-1138

Mortgage

Document Number	0014342042,
Date	Apr 24, 2026
Instrument	2026.14342042

Lender

Name	AMERICAN FINANCIAL SERVICES INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MADISON KY
Recording Date	May 4, 2026
Property Address	115 LOCKER CT, BEREA, KY 40403-1138
Document Number	0014344784
Book / Page	882 / 276
Instrument Date	Apr 16, 2026
Instrument	2026.14344784
Transaction Type	Transfer
Record Updated	May 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$11,110.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Investor	Possibly a Property Investor

December 2025: Deed, Construction Loan

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Dec 12, 2025
Property Address	115 LOCKER CT, BEREA, KY 40403-1138
Document Number	000D877/31
Book / Page	D877 / 31
Map Reference	MB 6 PG 82
Instrument Date	Nov 6, 2025
Instrument	2014305166
Transaction Type	Construction Loan
Record Updated	Jun 29, 2026
Title Company	LAND GROUP TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$128.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	527 WELLINGTON WAY STE 275, 275, LEXINGTON, KY 40503-1480

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	451 RICHARDSON LN, NICHOLASVILLE, KY 40356-8720
Investor	Possibly a Property Investor

Mortgage

Document Number	2014305167
Date	Dec 12, 2025
Instrument	2014305167

Lender

Name	ROBERT CLARK
Type	Private Party

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	11 Months
Due	Nov 6, 2026

November 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Nov 24, 2020
Property Address	115 LOCKER CT, BEREA, KY 40403-1138
Document Number	D00797/451
Book / Page	D00797 / 451
Map Reference	MB 6 PG 82
Instrument Date	Nov 20, 2020
Instrument	2014024713
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$128.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7155 FALL LICK RD, CRAB ORCHARD, KY 40419-9036

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 LOCKER CT, BEREA, KY 40403-1138

Mortgage

Document Number	2014024714
Date	Nov 24, 2020
Instrument	2014024714

Lender

Name	DAS ACQUISITION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

October 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Oct 3, 2018
Property Address	115 LOCKER CT, BEREA, KY 40403-1138
Document Number	D00765/203
Book / Page	D00765 / 203
Map Reference	MB6 PG82
Instrument Date	Sep 28, 2018
Instrument	2013982713
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	JETT TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$105.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	817 RIDGEFIELD RD, RICHMOND, KY 40475-8427

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 LOCKER CT, BEREA, KY 40403-1138

Mortgage

Document Number	2013982714
Date	Oct 3, 2018
Instrument	2013982714

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2048

October 2017: Commissioner's Deed, Foreclosure

Document Type	Commissioner's Deed
Jurisdiction	MADISON KY
Recording Date	Oct 13, 2017
Property Address	115 LOCKER CT, BEREA, KY 40403-1138
Document Number	D00751/351
Book / Page	D00751 / 351
Map Reference	MB6 PG82
Instrument Date	Jun 1, 2017
Instrument	2013966187
Transaction Type	Foreclosure
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	817 RIDGEFIELD RD, RICHMOND, KY 40475-8427

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	Madison County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,207.00 (-2.74%)	$128,000 (-)	$128,000 (-)
2023	$1,241.00	$128,000	$128,000

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 10 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	10 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 65% of the US · above 67% of Kentucky
Wildfire Likelihood	0.03% 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	SOUTHERN MADISON WATER DISTRICT serves 14,707 people · EPA ID KY0760407
Water Source	Purchased surface water from BEREA MUNICIPAL UTILITIES
Last State Inspection	May 2023
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 237 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

Cell Coverage

5G (outdoors only) and 4G LTE

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