118 Walnut St, Berea, KY 40403 Property Records

Madison County property record for 118 Walnut St, Berea, KY 40403 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	1,298 sqft
Owner	Individual Name on File
Last Sale	$85,000 (Feb 2021)
Tax Bill	$1,335 (2025)
Deeds & Mortgages	Feb 2023 Mortgage Feb 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`B007-0011-0002`

Property Details

APN / Parcel Number

Primary APN	`B007-0011-0002`
Alternative APNs	`129276` `92128` `59063`

Interior

Stories	1 Story
Building Area	1,298 sqft Living Area

Exterior

Exterior Material	Brick Veneer
Garage Type	Carport
Carport	Carport

Location & Zoning

Account Number	59063
Street Address	118 WALNUT ST
City	BEREA
State	KY
Zip	40403-1629
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT PT 19 & 21
Legal Subdivision	J K BAKER
Legal Lot Number	19,21
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	1
Census Block	1001
Census Tract	11301

Owner

Source: Madison County records · APN B007-0011-0002

Assessment roll updated 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	Individual Name on File
Mailing Address	118 WALNUT ST, BEREA, KY 40403-1629
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2023	Deed of Trust, Mortgage · Conventional Mortgage CUMBERLAND VALLEY NATL BANK & TRUST CO
Feb 18, 2022	Deed of Trust, Mortgage · Line of Credit CUMBERLAND VALLEY NATL BANK & TRUST CO
Apr 05, 2021	Deed of Trust, Mortgage · Line of Credit MEMBERS HERITAGE FCU
Feb 03, 2021	Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 03, 2021 · Amount on Record
Deed Sale	Feb 03, 2021 · Amount on Record
Deed Document Number	2014028756
Deed Book / Page	D800 / 595
Record Updated	Jun 08, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	118 WALNUT ST, BEREA, KY 40403-1629
Transaction Type	Mortgage
Record Updated	Mar 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 WALNUT ST, BEREA, KY 40403-1629

Mortgage

Document Number	0M2218/218
Date	Feb 22, 2023
Book Page	M2218/218
Instrument	2014132819

Lender

Name	CUMBERLAND VALLEY NATL BANK & TRUST CO
Type	Bank
Address	LONDON, KY 40741

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 01, 2038

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	118 WALNUT ST, BEREA, KY 40403-1629
Transaction Type	Mortgage
Record Updated	Mar 07, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 WALNUT ST, BEREA, KY 40403-1629

Mortgage

Document Number	0M2135/498
Date	Feb 18, 2022
Book Page	M2135/498
Instrument	2014078188

Lender

Name	CUMBERLAND VALLEY NATL BANK & TRUST CO
Type	Bank
Address	LONDON, KY 40743

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Feb 11, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	118 WALNUT ST, BEREA, KY 40403-1629
Transaction Type	Mortgage
Record Updated	Mar 07, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M2039/638
Date	Apr 05, 2021
Book Page	M2039/638
Instrument	2014032783

Lender

Name	MEMBERS HERITAGE FCU
Type	Credit Union
Address	LEXINGTON, KY 40511

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Apr 04, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Feb 03, 2021
Property Address	118 WALNUT ST, BEREA, KY 40403-1629
Document Number	00D800/595
Book / Page	D800 / 595
Map Reference	MB 1 PG 8
Instrument Date	Jan 06, 2021
Instrument	2014028756
Transaction Type	Transfer
Record Updated	Mar 07, 2023

Transaction

Amount	Amount Recorded
Tax	$85.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3199 DISPUTANTA RD, MOUNT VERNON, KY 40456-7865

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 WALNUT ST, BEREA, KY 40403-1629

Tax Assessment & Valuation

Source: Madison County records · Assessment roll updated April 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Kentucky
Municipality	Berea City
County	Madison County
Unified School District	Berea Independent School District (PK - 12)

Tax Bill & Assessment History

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	$1,335.00 (+20.16%) Additional exemption filed	$112,000 (+31.76%)	$112,000 (+31.76%)
2023	$1,111.00	$85,000	$85,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Madison County (21151C), updated December 21, 2017 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft

Wildfire

Wildfire Risk	Low above 20% of the US · above 37% of Kentucky
Wildfire Likelihood	About 1 in 2,500 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 74 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Metronet Holdings	Fiber	5,120 / 5,120
Uniti Group	Fiber	2,000 / 2,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Uniti Group. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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