Madison County property record for 117 Pennington St, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,392 sqft · built 1965 |
| Lot Size | 0.381 acres (16,629 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $105,000 (Aug 2020) |
| Tax Bill | $666 (2025) |
| Deeds & Mortgages | Aug 2020 Sale & Mortgage Nov 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | B007-0010-0014 |
| Primary APN | B007-0010-0014 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,392 sqft Living Area |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Exterior Material | Brick Veneer |
| Lot Area | 16,629 sqft (0.381 acres) |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Other |
| Account Number | 72229 |
|---|---|
| Street Address | 117 PENNINGTON ST |
| City | BEREA |
| State | KY |
| Zip | 40403-1631 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LUNSFORD SUBDIVISION LOT 9 |
| Legal Subdivision | LUNSFORD |
| Legal Lot Number | 9 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 11301 |
Source: Madison County records, as of December 9, 2025
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 | 117 PENNINGTON ST, BEREA, KY 40403-1631 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 11, 2020 | Deed, Transfer · VA Mortgage WINTRUST MORTGAGE |
| Nov 21, 2019 | Warranty Deed, Transfer · Conventional Mortgage REPUBLIC BANK & TRUST CO |
| May 1, 2018 | Deed, Transfer · Commercial Mortgage REPUBLIC BANK & TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 11, 2020 · Amount on Record |
| Deed Sale | Aug 11, 2020 · Amount on Record |
| Prior Sale | Nov 21, 2019 · Amount on Record |
| Deed Document Number | 202014017764 |
| Deed Book / Page | 792 / 213 |
| Prior Transfer Date | Nov 7, 2019 |
| Prior Transfer Doc | D00781/424 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Aug 11, 2020 |
| Property Address | 117 PENNINGTON ST, BEREA, KY 40403-1631 |
| Document Number | D00792/213 |
| Book / Page | D00792 / 213 |
| Map Reference | MB 3 PG 4 |
| Instrument Date | Aug 7, 2020 |
| Instrument | 2014017764 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $105.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 179 GENERAL CLEBURN DR, 179, RICHMOND, KY 40475-8870 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 117 PENNINGTON ST, BEREA, KY 40403-1631 |
| Document Number | 2014017765 |
|---|---|
| Date | Aug 11, 2020 |
| Instrument | 2014017765 |
| Name | WINTRUST MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Nov 21, 2019 |
| Property Address | 117 PENNINGTON ST, BEREA, KY 40403-1631 |
| Document Number | D00781/424 |
| Book / Page | D00781 / 424 |
| Map Reference | MB 3 PG 4 |
| Instrument Date | Nov 7, 2019 |
| Instrument | 2014002693 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $73.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 115 ELAINE AVE, 115, RICHMOND, KY 40475-9036 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 117 PENNINGTON ST, BEREA, KY 40403-1631 |
| Document Number | 2014002694 |
|---|---|
| Date | Nov 21, 2019 |
| Instrument | 2014002694 |
| Name | REPUBLIC BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 1, 2034 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | May 1, 2018 |
| Property Address | 117 PENNINGTON ST, BEREA, KY 40403-1631 |
| Document Number | D00758/677 |
| Book / Page | D00758 / 677 |
| Map Reference | MB3 PG4 |
| Instrument Date | Apr 20, 2018 |
| Instrument | 2013975125 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $63.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2405 DEXTER ST, 2405, LOUISVILLE, KY 40216-2415 |
| Name | Verified Name |
|---|---|
| Address | 115 ELAINE AVE, RICHMOND, KY 40475-9036 |
| Document Number | 2013975126 |
|---|---|
| Date | May 1, 2018 |
| Instrument | 2013975126 |
| Name | REPUBLIC BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Apr 20, 2028 |
Source: Madison County assessment roll, as of December 9, 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 | $666.00 (-51.49%) Homeowner's exemption | $105,000 (-) | $105,000 (-) |
| 2023 | $1,373.00 | $105,000 | $105,000 |
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| 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 | 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 | 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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