Madison County property record for 117 Commerce Dr, Berea, KY 40403
| Property Type | Duplex |
|---|---|
| Details | 2,647 sqft |
| Lot Size | 0.81 acres (35,284 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $153,000 (Jun 2010) |
| Tax Bill | $2,178 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0048-0000-0027-ZI |
| Primary APN | 0048-0000-0027-ZI |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,647 sqft Living Area |
| Exterior Material | Brick Veneer |
|---|---|
| Lot Area | 35,284 sqft (0.81 acres) |
| Garage Type | Attached |
| Garage Area | 880 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Porch |
| Porch Area | 83 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 66031 |
|---|---|
| Street Address | 117 COMMERCE DR |
| City | BEREA |
| State | KY |
| Zip | 40403-6537 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | INTERSTATE BUSINESS CENTER LOT 9 |
| Legal Subdivision | INTERSTATE BUS CNTR |
| Legal Lot Number | 9 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 11401 |
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 | 117 COMMERCE DR, BEREA, KY 40403-6537 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 19, 2025 | Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC |
| Nov 3, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 16, 2010 · Amount on Record |
| Deed Sale | Jun 16, 2010 · Amount on Record |
| Prior Sale | Dec 14, 2009 · Amount on Record |
| Deed Document Number | 444735 |
| Deed Book / Page | D657 / 704 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 117 COMMERCE DR, BEREA, KY 40403-6537 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2026 |
| Name | Verified Name |
|---|---|
| Address | 117 COMMERCE DR 2, 2, BEREA, KY 40403-6565 |
| Document Number | 0M2432/729 |
|---|---|
| Date | Dec 19, 2025 |
| Book Page | M2432/729 |
| Instrument | 2014306716 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | LIMA, OH 45801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jan 1, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 117 COMMERCE DR, BEREA, KY 40403-6537 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | M01992/601 |
|---|---|
| Date | Nov 3, 2020 |
| Book Page | M01992/601 |
| Instrument | 2014023432 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | HORSHAM, PA 19044 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Nov 1, 2045 |
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 | $2,178.00 (+15.18%) Additional exemption filed | $231,000 (+18.46%) | $231,000 (+18.46%) |
| 2023 | $1,891.00 | $195,000 | $195,000 |
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 | 0.03% annual chance |
| Exposure | Indirect within ember reach |
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 127 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Windstream DSL · Fiber in parts of the area | 100 / 20 |
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