Madison County property record for 123 Circle Dr, Berea, KY 40403 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 1,461 sqft |
| Lot Size | 0.271 acres (11,842 sqft) |
| Owner | Individual Name on File |
| Last Sale | $308,958 (Sep 2021) |
| Tax Bill | $762 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit Jun 2023 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | B008-0015-0004 |
| Primary APN | B008-0015-0004 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,461 sqft Living Area |
| Exterior Material | Stone |
|---|---|
| Lot Area | 11,842 sqft (0.271 acres) |
| Garage Type | Mixed |
| Parking Spaces | 1 Parking Space |
| Cooling System | Wall Unit |
|---|
| Account Number | 67590 |
|---|---|
| Street Address | 123 CIRCLE DR |
| City | BEREA |
| State | KY |
| Zip | 40403-1003 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MOUNTAIN VIEW LOT 136 & PT 135 |
| Legal Subdivision | MOUNTAIN VIEW |
| Legal Tract | 1 |
| Legal Lot Number | 136 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 11202 |
Source: Madison County records · APN B008-0015-0004
Assessment roll updated December 9, 2025 · Last verified July 2026
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 | 123 CIRCLE DR, BEREA, KY 40403-1003 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 25, 2026 | Deed of Trust, Mortgage · Line of Credit WHITAKER BANK INC |
| Jun 06, 2023 | Deed of Trust, Mortgage · Commercial Mortgage WHITAKER BANK INC |
| Jun 10, 2022 | Deed of Trust, Mortgage · Line of Credit WHITAKER BANK INC |
| Feb 06, 2018 | Deed of Trust, Mortgage PEOPLES BANK & TRUST CO |
| Mar 31, 2017 | Intrafamily Transfer, Transfer |
| Mar 31, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 01, 2021 · Amount on Record |
| Deed Sale | Sep 01, 2021 · Amount on Record |
| Prior Sale | Feb 19, 2009 · Amount on Record |
| Deed Document Number | 20212014051161 |
| Deed Book / Page | 810 / 656 |
| Prior Transfer Date | Oct 31, 2015 |
| Prior Transfer Doc | D00742/760 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jun 25, 2026 |
| Property Address | 123 CIRCLE DR, BEREA, KY 40403-1003 |
| Document Number | 0014358265 |
| Book / Page | 2479 / 56 |
| Instrument Date | Jun 17, 2026 |
| Instrument | 202614358265 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 123 CIRCLE DR, BEREA, KY 40403-1003 |
| Document Number | 0014358265, |
|---|---|
| Date | Jun 25, 2026 |
| Book Page | 2479/56 |
| Instrument | 202614358265 |
| Name | WHITAKER BANK INC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 17, 2041 |
| Rate | 5.85% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 123 CIRCLE DR, BEREA, KY 40403-1003 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2023 |
| Name | Verified Name |
|---|---|
| Address | 123 CIRCLE DR, BEREA, KY 40403-1003 |
| Document Number | 0M2238/176 |
|---|---|
| Date | Jun 06, 2023 |
| Book Page | M2238/176 |
| Instrument | 2014149169 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40555 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2053 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 123 CIRCLE DR, BEREA, KY 40403-1003 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2022 |
| Name | Verified Name |
|---|---|
| Address | 123 CIRCLE DR, BEREA, KY 40403-1003 |
| Document Number | 0M2167/207 |
|---|---|
| Date | Jun 10, 2022 |
| Book Page | M2167/207 |
| Instrument | 2014095744 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Address | MINNEAPOLIS, MN 55439 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | May 27, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 123 CIRCLE DR, BEREA, KY 40403-1003 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | M01787/791 |
|---|---|
| Date | Feb 06, 2018 |
| Book Page | M01787/791 |
| Instrument | 2013971398 |
| Name | PEOPLES BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | BEREA, KY 40403 |
| Amount | Amount Recorded |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Mar 31, 2017 |
| Property Address | 123 CIRCLE DR, BEREA, KY 40403-1003 |
| Document Number | D00742/760 |
| Book / Page | D00742 / 760 |
| Instrument Date | Oct 31, 2015 |
| Instrument | 2013956480 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 220 BRUCE CT, 220, RICHMOND, KY 40475-8444 |
| Name | Verified Name |
|---|---|
| Address | 123 CIRCLE DR, RICHMOND, KY 40475-1805 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Mar 31, 2017 |
| Property Address | 123 CIRCLE DR, BEREA, KY 40403-1003 |
| Document Number | D00742/757 |
| Book / Page | D00742 / 757 |
| Map Reference | DD158 PG332 |
| Instrument Date | Oct 31, 2015 |
| Instrument | 2013956479 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 224 TAZWELL DR, 224, RICHMOND, KY 40475-8940 |
| Name | Verified Name |
|---|---|
| Address | 123 CIRCLE DR, RICHMOND, KY 40475-1805 |
Source: Madison County records · Assessment roll updated December 9, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Kentucky |
| Municipality | Berea City |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $762.00 (-12.71%) Homeowner's exemption | $130,000 (+44.44%) | $130,000 (+44.44%) |
| 2023 | $873.00 | $90,000 | $90,000 |
Source: FEMA National Flood Hazard Layer, Madison County (21151C), updated December 21, 2017 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211510112023, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 10 individual NFIP policies nearby |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 10 in force |
| Wildfire Risk | Low above 35% of the US · above 67% of Kentucky |
|---|---|
| Wildfire Likelihood | About 1 in 3,125 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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, availability as of December 31, 2025 · Published October 2026 · based on 234 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 |
May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.
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