Madison County property record for 123 Smith Ln, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 2,160 sqft |
| Lot Size | 1.15 acres (50,094 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $254,500 (Oct 2020) |
| Tax Bill | $2,399 (2025) |
| Deeds & Mortgages | Oct 2020 Sale & Mortgage Feb 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0086-0015-0003 |
| Primary APN | 0086-0015-0003 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,160 sqft Living Area |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Lot Area | 50,094 sqft (1.15 acres) |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Account Number | 51662 |
|---|---|
| Street Address | 123 SMITH LN |
| City | BEREA |
| State | KY |
| Zip | 40403-9715 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TRACT 3 |
| Legal Tract | 3 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 11101 |
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 123 SMITH LN, BEREA, KY 40403-9715 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 13, 2020 | Warranty Deed, Transfer · Conventional Mortgage WHITAKER BANK INC |
| Feb 3, 2020 | Deed, Transfer PEOPLES BANK & TRUST CO OF MADISON |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 13, 2020 · Amount on Record |
| Deed Sale | Oct 13, 2020 · Amount on Record |
| Prior Sale | Feb 3, 2020 · Amount on Record |
| Deed Document Number | 2014022106 |
| Deed Book / Page | D00795 / 422 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Oct 13, 2020 |
| Property Address | 123 SMITH LN, BEREA, KY 40403-9715 |
| Document Number | D00795/422 |
| Book / Page | D00795 / 422 |
| Map Reference | MB 26 PG 319 |
| Instrument Date | Oct 6, 2020 |
| Instrument | 2014022106 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $254.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2710 PINE GROVE RD, 2710, PARIS, KY 40361-9002 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 123 SMITH LN, BEREA, KY 40403-9715 |
| Document Number | 2014022107 |
|---|---|
| Date | Oct 13, 2020 |
| Instrument | 2014022107 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Feb 3, 2020 |
| Property Address | 123 SMITH LN, BEREA, KY 40403-9715 |
| Document Number | D00784/123 |
| Book / Page | D00784 / 123 |
| Map Reference | MB P20 PG 319 |
| Instrument Date | Jan 30, 2020 |
| Instrument | 2014006587 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $214.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 123 SMITH LN, 123, BEREA, KY 40403-9715 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 1477, RICHMOND, KY 40476-1477 |
| Document Number | 2014006588 |
|---|---|
| Date | Feb 3, 2020 |
| Instrument | 2014006588 |
| Name | PEOPLES BANK & TRUST CO OF MADISON |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|
| Index | 5-Year CMT |
|---|
Source: Madison County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,399.00 (-2.8%) Additional exemption filed | $254,500 (-) | $254,500 (-) |
| 2023 | $2,468.00 | $254,500 | $254,500 |
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 9 (5% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2026) |
| Most Recent Claim | Jun 2026 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides |
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 | Moderate above 42% of the US · above 73% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.07% 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 44 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Spectrum Cable | 1,000 / 1,000 |
| Windstream DSL | 200 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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