Madison County property record for 116 Phillips St, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 812 sqft |
| Owner | Individual Name on Record |
| Last Sale | $114,000 (Jul 2021) |
| Tax Bill | $1,358 (2025) |
| Deeds & Mortgages | Oct 2025 Second Mortgage Jul 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | B007-0009-0027 |
| Primary APN | B007-0009-0027 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 812 sqft Living Area |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Porch | Porch |
| Porch Area | 224 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 69158 |
|---|---|
| Street Address | 116 PHILLIPS ST |
| City | BEREA |
| State | KY |
| Zip | 40403-1625 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DESC |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 11301 |
Source: Madison County records, as of December 8, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 116 PHILLIPS ST, BEREA, KY 40403-1625 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 24, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC |
| Jul 8, 2021 | Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 8, 2021 · Amount on Record |
| Deed Sale | Jul 8, 2021 · Amount on Record |
| Prior Sale | Aug 27, 2009 · Amount on Record |
| Deed Document Number | 2014043976 |
| Deed Book / Page | D808 / 187 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 116 PHILLIPS ST, BEREA, KY 40403-1625 |
| Transaction Type | Mortgage |
| Record Updated | Nov 11, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0M2419/235 |
|---|---|
| Date | Oct 24, 2025 |
| Book Page | M2419/235 |
| Instrument | 2014294305 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | CONSHOHOCKEN, PA 19428 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Nov 1, 2045 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jul 8, 2021 |
| Property Address | 116 PHILLIPS ST, BEREA, KY 40403-1625 |
| Document Number | D808/187 |
| Book / Page | D808 / 187 |
| Instrument Date | Jun 25, 2021 |
| Instrument | 2014043976 |
| Transaction Type | Transfer |
| Record Updated | Jul 21, 2021 |
| Title Company | FOUNDATION TITLE LLC-LIVINGSTON, FOUNDATION T&E LEXINGTON |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $114.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 105 OLIVER ST, 105, BIGHILL, KY 40405 |
| Name | Verified Name |
|---|---|
| Address | 116 PHILLIPS ST, BEREA, KY 40403-1625 |
| Document Number | 2014043977 |
|---|---|
| Date | Jul 8, 2021 |
| Instrument | 2014043977 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2051 |
Source: Madison County assessment roll, as of April 1, 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 | $1,358.00 (-8.92%) Additional exemption filed | $114,000 (-) | $114,000 (-) |
| 2023 | $1,491.00 | $114,000 | $114,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 3 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.
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 | 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 74 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 | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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