Madison County property record for 118 Cedar Dr, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Owner | 2 Individual Names on File |
| Tax Bill | $1,687 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Dec 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 0097-0001-0024 |
| Primary APN | 0097-0001-0024 |
|---|---|
| Alternative APNs |
|
| Account Number | 42552 |
|---|---|
| Street Address | 118 CEDAR DR |
| City | BEREA |
| State | KY |
| Zip | 40403-9675 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CEDAR POINTE LOT 24 SEC 1 |
| Legal Subdivision | CEDAR POINTE |
| Legal Lot Number | 24 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 11103 |
Source: Madison County assessment roll, APN 0097-0001-0024, as of April 1, 2025 · Last verified December 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 File |
|---|---|
| Mailing Address | 118 CEDAR DR, BEREA, KY 40403-9675 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 20, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Dec 06, 2021 | Deed of Trust, Mortgage · Line of Credit PARK COMMUNITY FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 01, 2013 |
| Deed Sale | Apr 01, 2013 |
| Deed Document Number | 0000690499 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | May 20, 2026 |
| Property Address | 118 CEDAR DR, BEREA, KY 40403-9675 |
| Document Number | 0014350131 |
| Book / Page | 2469 / 728 |
| Instrument Date | May 12, 2026 |
| Instrument | 202614350131 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 118 CEDAR DR, BEREA, KY 40403-9675 |
| Document Number | 0014350131, |
|---|---|
| Date | May 20, 2026 |
| Book Page | 2469/728 |
| Instrument | 202614350131 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 133 Months |
| Due | Jun 01, 2037 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 118 CEDAR DR, BEREA, KY 40403-9675 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0M2115/495 |
|---|---|
| Date | Dec 06, 2021 |
| Book Page | M2115/495 |
| Instrument | 2014066985 |
| Name | PARK COMMUNITY FCU |
|---|---|
| Type | Credit Union |
| Address | LOUISVILLE, KY 40299 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Nov 25, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Madison County assessment roll as of April 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,687.00 (+19.14%) Additional exemption filed | $179,000 (+22.6%) | $179,000 (+22.6%) |
| 2023 | $1,416.00 | $146,000 | $146,000 |
Source: FEMA National Flood Hazard Layer, Madison County (21151C), as of December 21, 2017 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211510111031, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Low lower than 62% of the US · above 68% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection, 17 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Uniti Group Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Metronet Holdings.
Source: EPA Safe Drinking Water Information System, water system KY0760224, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | MADISON CO UTILITIES DISTRICT serves 25,120 people |
|---|---|
| Water Source | Purchased surface water from RICHMOND UTILITIES |
| Last State Inspection | Nov 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | E. coli resolved · Jun 2019 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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