Madison County property record for 121 Oak St, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,176 sqft |
| Owner | Individual Name on Record |
| Last Sale | $182,900 (Sep 2025) |
| Tax Bill | $1,001 (2025) |
| Deeds & Mortgages | Nov 2023 Mortgage Sep 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | B006-0006-0003 |
| Primary APN | B006-0006-0003 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,176 sqft Living Area |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Garage Type | Mixed |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 72617 |
|---|---|
| Street Address | 121 OAK ST |
| City | BEREA |
| State | KY |
| Zip | 40403-1411 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NEW BEREA LOT 41-43 BLK B |
| Legal Subdivision | NEW BEREA |
| Legal Block | B |
| Legal Lot Number | 41-43 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 11201 |
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 | PO BOX 1011, RICHMOND, KY 40476-1011 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 13, 2023 | Deed of Trust, Mortgage · Commercial Mortgage COMMUNITY TRUST BANK INC |
| Sep 18, 2025 | Warranty Deed, Transfer · Conventional Mortgage NOVUS HOME MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 18, 2025 · Amount on Record |
| Deed Sale | Sep 18, 2025 · Amount on Record |
| Deed Document Number | 2014286023 |
| Deed Book / Page | D873 / 219 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 121 OAK ST, BEREA, KY 40403-1411 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0M2269/776 |
|---|---|
| Date | Nov 13, 2023 |
| Book Page | M2269/776 |
| Instrument | 2014177330 |
| Name | COMMUNITY TRUST BANK INC |
|---|---|
| Type | Bank |
| Address | RICHMOND, KY 40475 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 249 Months |
| Due | Aug 13, 2044 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Sep 18, 2025 |
| Property Address | 121 OAK ST, BEREA, KY 40403-1411 |
| Document Number | 00D873/219 |
| Book / Page | D873 / 219 |
| Map Reference | CAB 1 SL 51 |
| Instrument Date | Aug 25, 2025 |
| Instrument | 2014286023 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $183.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4065 PALMETTO DR, LEXINGTON, KY 40513-1344 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 1011, RICHMOND, KY 40476-1011 |
| Document Number | 2014286027 |
|---|---|
| Date | Sep 18, 2025 |
| Instrument | 2014286027 |
| Name | NOVUS HOME MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2055 |
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 | $1,001.00 (+1.32%) Additional exemption filed | $84,000 (-) | $84,000 (-) |
| 2024 | $988.00 (+152.04%) | $84,000 (+18%) | $84,000 (+18%) |
| 2023 | $392.00 | $30,000 | $30,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective December 21, 2017
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; 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 | 0.01% 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 | BEREA MUNICIPAL UTILITIES private · serves 9,972 people · EPA ID KY0760030 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2023 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 364 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 · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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