Madison County property record for 127 Commerce Dr, Berea, KY 40403
| Property Type | Duplex |
|---|---|
| Details | 3 bd · 2 ba · 2,607 sqft |
| Lot Size | 0.589 acres (25,700 sqft) |
| Owner | Company Name on Record |
| Last Sale | $250,000 (Apr 2025) |
| Tax Bill | $2,178 (2025) |
| Deeds & Mortgages | Mar 2026 Line of Credit Oct 2006 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0048-0000-0027-ZN |
| Primary APN | 0048-0000-0027-ZN |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,607 sqft Living Area |
| Exterior Material | Brick Veneer |
|---|---|
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 25,700 sqft (0.589 acres) |
| Garage Type | Attached |
| Garage Area | 468 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 58949 |
|---|---|
| Street Address | 127 COMMERCE DR |
| City | BEREA |
| State | KY |
| Zip | 40403-6542 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | INTERSTATE BUSINESS CENTER LOT 14 |
| Legal Subdivision | INTERSTATE BUS CNTR |
| Legal Lot Number | 14 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 11401 |
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 | Company Name on Record |
|---|---|
| Mailing Address | PO BOX 1176, LEXINGTON, KY 40588-1176 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Date | Document |
|---|---|
| Mar 4, 2026 | Deed of Trust, Mortgage · Line of Credit CITIZENS GUARANTY BANK |
| Oct 30, 2006 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAS WHOLESALE LENDER |
| Dec 8, 2025 | Warranty Deed, Transfer |
| Apr 17, 2025 | Deed, Transfer · Stand-Alone Second Mortgage J ROBERT CLARK |
| Sep 12, 2005 | Deed, Construction Loan · Construction Mortgage PEOPLES BANK 7 |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 17, 2025 · Amount on Record |
| Deed Sale | Apr 17, 2025 · Amount on Record |
| Prior Sale | Sep 12, 2005 · Amount on Record |
| Deed Document Number | 2014255728 |
| Deed Book / Page | D866 / 316 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 127 COMMERCE DR, BEREA, KY 40403-6542 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|---|
| Address | 824 TODD BRANCH RD, MOUNT VERNON, KY 40456-7602 |
| Document Number | 0M2449/445 |
|---|---|
| Date | Mar 4, 2026 |
| Book Page | M2449/445 |
| Instrument | 2014323842 |
| Name | CITIZENS GUARANTY BANK |
|---|---|
| Type | Bank |
| Address | RICHMOND, KY 40476 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 35 Months |
| Due | Feb 26, 2029 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 127 COMMERCE DR, BEREA, KY 40403-6542 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0M1142/459 |
|---|---|
| Date | Oct 30, 2006 |
| Book Page | M1142/459 |
| Instrument | 378188 |
| Name | AMERICAS WHOLESALE LENDER |
|---|---|
| Type | Lending Institution |
| Address | CALABASAS, CA 91302 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Dec 8, 2025 |
| Property Address | 127 COMMERCE DR, BEREA, KY 40403-6542 |
| Document Number | 00D876/702 |
| Book / Page | D876 / 702 |
| Map Reference | CAB 21 SL 315 |
| Instrument Date | Nov 2, 2025 |
| Instrument | 2014303744 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $310.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 606 N BROADWAY APT 1, 1, LEXINGTON, KY 40508-1696 |
| Name | Verified Name |
|---|---|
| Address | 824 TODD BRANCH RD, MOUNT VERNON, KY 40456-7602 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Apr 17, 2025 |
| Property Address | 127 COMMERCE DR, BEREA, KY 40403-6542 |
| Document Number | 00D866/316 |
| Book / Page | D866 / 316 |
| Map Reference | CAB 21 SL 315 |
| Instrument Date | Apr 15, 2025 |
| Instrument | 2014255728 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $250.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 461 SUNSET RIDGE RD, MOUNT VERNON, KY 40456-6129 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 1176, LEXINGTON, KY 40588-1176 |
| Investor | Possibly a Property Investor |
| Document Number | 2014255729 |
|---|---|
| Date | Apr 17, 2025 |
| Instrument | 2014255729 |
| Name | J ROBERT CLARK |
|---|---|
| Type | Private Party |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Sep 12, 2005 |
| Property Address | 127 COMMERCE DR, BEREA, KY 40403-6542 |
| Document Number | 0D0596/072 |
| Book / Page | D0596 / 072 |
| Map Reference | CAB21 SL315 |
| Instrument Date | Sep 9, 2005 |
| Instrument | 352863 |
| Transaction Type | Construction Loan |
| Record Updated | Jun 29, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $26.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 143, 40427 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 337 ELMSLEIGH DR, BEREA, KY 40403-9561 |
| Investor | Possibly a Property Investor |
| Document Number | 0000352864 |
|---|---|
| Date | Sep 12, 2005 |
| Instrument | 352864 |
| Name | PEOPLES BANK 7 |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $2,178.00 (+24.74%) Additional exemption filed | $231,000 (+28.33%) | $231,000 (+28.33%) |
| 2023 | $1,746.00 | $180,000 | $180,000 |
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 | 0.03% annual chance |
| Exposure | Indirect within ember reach |
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 127 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Windstream DSL · Fiber in parts of the area | 100 / 20 |
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