Madison County property record for 120 Phillips St, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,295 sqft |
| Owner | 2 Individual Names on Record |
| Tax Bill | $570 (2025) |
| Deeds & Mortgages | Jan 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | B007-0009-0029 |
| Primary APN | B007-0009-0029 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,295 sqft Living Area |
| Exterior Material | Brick Veneer |
|---|
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 74346 |
|---|---|
| Street Address | 120 PHILLIPS ST |
| City | BEREA |
| State | KY |
| Zip | 40403-1625 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 14 |
| Legal Subdivision | PHILL |
| Legal Lot Number | 14 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 120 PHILLIPS ST, BEREA, KY 40403-1625 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jan 9, 2026 |
| Property Address | 120 PHILLIPS ST, BEREA, KY 40403-1625 |
| Document Number | 00D878/244 |
| Book / Page | D878 / 244 |
| Map Reference | MB 185 PG 373 |
| Instrument Date | Jan 7, 2026 |
| Instrument | 2014310777 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Title Company | LAND GROUP TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $155.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 119 HOLLY HILL DR, BEREA, KY 40403-1618 |
| Name | Verified Name |
|---|---|
| Address | 120 PHILLIPS ST, BEREA, KY 40403-1625 |
| Investor | Possibly a Property Investor |
| Document Number | 2014310778 |
|---|---|
| Date | Jan 9, 2026 |
| Instrument | 2014310778 |
| Name | T2 FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Number | 0M2438/346 |
|---|---|
| Date | Jan 9, 2026 |
| Book Page | M2438/346 |
| Instrument | 2014310779 |
| Name | T2 FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 1, 2041 |
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 | $570.00 (+148.91%) Homeowner's exemption | $97,000 (+51.8%) | $97,000 (+51.8%) |
| 2023 | $229.00 Homeowner's exemption | $63,900 | $63,900 |
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 162 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Windstream Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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