Madison County property record for 115 S Cumberland St, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 2,140 sqft |
| Owner | Individual Name on File |
| Last Sale | $169,000 (Dec 2020) |
| Tax Bill | $2,282 (2025) |
| Deeds & Mortgages | Aug 2023 Second Mortgage Dec 2020 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | B008-0017-0026 |
| Primary APN | B008-0017-0026 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,140 sqft Living Area |
| Exterior Material | Brick Veneer |
|---|---|
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Gas |
|---|
| Account Number | 63409 |
|---|---|
| Street Address | 115 S CUMBERLAND ST |
| City | BEREA |
| State | KY |
| Zip | 40403-1028 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DIXIE GLADE ACRES LOT 14 BLK 1 |
| Legal Subdivision | DIXIE GLADE |
| Legal Block | 1 |
| Legal Lot Number | 14 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 11202 |
115 S Cumberland St is owned and occupied by an individual who bought it in December 2020.
Source: Madison County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 115 S CUMBERLAND ST, BEREA, KY 40403-1028 |
| 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 |
|---|---|
| Aug 24, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| Dec 23, 2020 | Deed, Transfer BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Jun 10, 2020 | Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| May 11, 2018 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 23, 2020 · Amount on File |
| Deed Sale | Dec 23, 2020 · Amount on File |
| Prior Sale | Jun 10, 2020 · Amount on File |
| Deed Document Number | 2014026509 |
| Deed Book / Page | D00789 / 51 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 115 S CUMBERLAND ST, BEREA, KY 40403-1028 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2023 |
| Title Company | BRYTH TITLE AND ESCROW, BLYTHE TITLE AND ESCROW |
| Name | Verified Name |
|---|
| Document Number | 0M2255/434 |
|---|---|
| Date | Aug 24, 2023 |
| Book Page | M2255/434 |
| Instrument | 2014163341 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | GREENWOOD, DE 19950 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 11, 2053 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Dec 23, 2020 |
| Property Address | 115 S CUMBERLAND ST, BEREA, KY 40403-1028 |
| Document Number | 0D00789/51 |
| Book / Page | D00789 / 51 |
| Map Reference | MB 24 PG 321 |
| Instrument Date | Dec 18, 2020 |
| Instrument | 2014026509 |
| Transaction Type | Transfer |
| Record Updated | Dec 31, 2021 |
| Title Company | BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Tax | $169.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 54 WRENWOOD DR, 54, HAMILTON, OH 45013-2452 |
| Name | Verified Name |
|---|---|
| Address | 4901 UPTON TALLEY RD, UPTON, KY 42784-9336 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jun 10, 2020 |
| Property Address | 115 S CUMBERLAND ST, BEREA, KY 40403-1028 |
| Document Number | 0D00789/51 |
| Book / Page | D00789 / 51 |
| Map Reference | MB 2 PG 164 |
| Instrument Date | Jun 5, 2020 |
| Instrument | 2014013656 |
| Transaction Type | Transfer |
| Record Updated | Dec 31, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $175.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 125 MEADOWLARK DR, 125, BEREA, KY 40403-1010 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 115 S CUMBERLAND ST, BEREA, KY 40403-1028 |
| Document Number | 2014013657 |
|---|---|
| Date | Jun 10, 2020 |
| Instrument | 2014013657 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | May 11, 2018 |
| Property Address | 115 S CUMBERLAND ST, BEREA, KY 40403-1028 |
| Document Number | D00759/252 |
| Book / Page | D00759 / 252 |
| Map Reference | MB2 PG144 |
| Instrument Date | May 10, 2018 |
| Instrument | 2013975656 |
| Transaction Type | Transfer |
| Record Updated | Dec 31, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $171.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 115 S CUMBERLAND ST, BEREA, KY 40403-1028 |
The 2025 property tax bill for 115 S Cumberland St was $2,282 with an additional exemption.
Source: Madison County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| Municipality | Berea City |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,282.00 Additional exemption filed | $242,000 | $242,000 |
| 2023 | $1,697.00 | $175,000 | $175,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 115 S Cumberland St in Zone X, an area of minimal flood risk.
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 |
| Flood Insurance Cost | Premium on File 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 risk around 115 S Cumberland St is low, with a 0.02% 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 | 0.02% 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 234 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Windstream Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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