Madison County property record for 126 Oak Meadow Dr, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,596 sqft |
| Owner | Individual Name on File |
| Last Sale | $373,500 (Nov 2022) |
| Tax Bill | $3,522 (2025) |
| Deeds & Mortgages | Aug 2026 Line of Credit Nov 2022 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0060-0002-0046 |
| Primary APN | 0060-0002-0046 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,596 sqft Living Area |
| Exterior Material | Brick Veneer |
|---|---|
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Garage Type | Attached |
| Garage Area | 749 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
| Porch Area | 82 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 53649 |
|---|---|
| Street Address | 126 OAK MEADOW DR |
| City | BEREA |
| State | KY |
| Zip | 40403-9580 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THE OAKS LOT 46 UNIT 2 |
| Legal Subdivision | THE OAKS |
| Legal Lot Number | 46 |
| Legal Unit | 2 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 11401 |
126 Oak Meadow Dr is owned and occupied by an individual who bought it in November 2022.
Source: Madison County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 126 OAK MEADOW DR, BEREA, KY 40403-9580 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 18, 2026 | Deed of Trust, Mortgage · Line of Credit COMMUNITY TRUST BANK |
| Nov 17, 2022 | Deed, Transfer · Conventional Mortgage COMMUNITY TRUST BANK INC |
| Aug 23, 2021 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC |
| Feb 13, 2017 | Deed of Trust, Mortgage · Line of Credit KENTUCKY HOUSING CORP |
| Feb 13, 2017 | Deed of Trust, Mortgage KENTRUCKY HOUSING CORP |
| May 4, 2018 | Deed of Trust, Mortgage · ARM SOVEREIGN LENDING GROUP4 |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 17, 2022 · Amount on File |
| Deed Sale | Nov 17, 2022 · Amount on File |
| Prior Sale | Mar 20, 2006 · Amount on File |
| Deed Document Number | 2014120288 |
| Deed Book / Page | D831 / 666 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Aug 18, 2026 |
| Property Address | 126 OAK MEADOW DR, BEREA, KY 40403-9580 |
| Document Number | 0014369355 |
| Book / Page | 2493 / 750 |
| Instrument Date | Jul 31, 2026 |
| Instrument | 202614369355 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 126 OAK MEADOW DR, BEREA, KY 40403-9580 |
| Document Number | 0014369355, |
|---|---|
| Date | Aug 18, 2026 |
| Book Page | 2493/750 |
| Instrument | 202614369355 |
| Name | COMMUNITY TRUST BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Aug 1, 2041 |
| Max Rate | -1% |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Nov 17, 2022 |
| Property Address | 126 OAK MEADOW DR, BEREA, KY 40403-9580 |
| Document Number | 00D831/666 |
| Book / Page | D831 / 666 |
| Map Reference | CAB 21 SL 218 |
| Instrument Date | Oct 28, 2022 |
| Instrument | 2014120288 |
| Transaction Type | Transfer |
| Record Updated | Nov 30, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $373.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 600 NOTH FK DR, 600, BEREA, KY 40403 |
| Name | Verified Name |
|---|---|
| Address | 126 OAK MEADOW DR, BEREA, KY 40403-9580 |
| Document Number | 2014120291 |
|---|---|
| Date | Nov 17, 2022 |
| Instrument | 2014120291 |
| Name | COMMUNITY TRUST BANK INC |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.5% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Nov 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 4.5% |
| Max Rate At Change | 8.5% |
| Index | 1-Year CMT |
| Max Rate | 12.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 126 OAK MEADOW DR, BEREA, KY 40403-9580 |
| Transaction Type | Mortgage |
| Record Updated | Sep 2, 2021 |
| Title Company | AMROCK INC, AMROCK |
| Name | Verified Name |
|---|
| Document Number | M2084/65 |
|---|---|
| Date | Aug 23, 2021 |
| Book Page | M2084/65 |
| Instrument | 2014049592 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 126 OAK MEADOW DR, BEREA, KY 40403-9580 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | M01727/483 |
|---|---|
| Date | Feb 13, 2017 |
| Book Page | M01727/483 |
| Instrument | 2013954295 |
| Name | KENTUCKY HOUSING CORP |
|---|---|
| Type | Government Agency |
| Address | FRANKFORT, KY 40601 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 58 Months |
| Due | Dec 16, 2021 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 126 OAK MEADOW DR, BEREA, KY 40403-9580 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | M1727/483 |
|---|---|
| Date | Feb 13, 2017 |
| Book Page | M1727/483 |
| Instrument | 954295 |
| Name | KENTRUCKY HOUSING CORP |
|---|---|
| Type | Non-Lending Institution |
| Address | FRANKFORT, KY 40601 |
| Amount | Amount on Record |
|---|---|
| Term | 58 Months |
| Due | Dec 16, 2021 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 126 OAK MEADOW DR, BEREA, KY 40403-9580 |
| Transaction Type | Mortgage |
| Record Updated | May 29, 2018 |
| Name | Verified Name |
|---|
| Document Number | M01801/652 |
|---|---|
| Date | May 4, 2018 |
| Book Page | M01801/652 |
| Instrument | 2013975332 |
| Name | SOVEREIGN LENDING GROUP4 |
|---|---|
| Type | Private Party |
| Address | FLINT, MI 48501 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2048 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 126 Oak Meadow Dr was $3,522 with an additional exemption.
Source: Madison County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| Municipality | Berea City |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,522.00 Additional exemption filed | $373,500 | $373,500 |
| 2023 | $3,622.00 | $373,500 | $373,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 126 Oak Meadow Dr in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 126 Oak Meadow Dr is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · above 66% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.03% 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 | 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 155 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 |
| Verizon Fixed Wireless | 300 / 20 |
| Windstream DSL | 200 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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