Madison County property record for 128 S Cumberland St, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,955 sqft |
| Lot Size | 0.454 acres (19,812 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $236,000 (Sep 2021) |
| Tax Bill | $2,225 (2025) |
| Deeds & Mortgages | Sep 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | B008-0018-0015 |
| Primary APN | B008-0018-0015 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,955 sqft Living Area |
| Exterior Material | Brick Veneer |
|---|---|
| Lot Area | 19,812 sqft (0.454 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 51796 |
|---|---|
| Street Address | 128 S CUMBERLAND ST |
| City | BEREA |
| State | KY |
| Zip | 40403-1009 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DIXIE GLADE ACRES LOT 23 BLK 3 |
| Legal Subdivision | DIXIE GLADE |
| Legal Block | 3 |
| Legal Lot Number | 23 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 11202 |
128 S Cumberland St is owned and occupied by two individuals who bought it in September 2021.
Source: Madison County records, as of June 12, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 128 S CUMBERLAND ST, BEREA, KY 40403-1009 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 22, 2021 · Amount on File |
| Deed Sale | Sep 22, 2021 · Amount on File |
| Deed Document Number | 20212014054428 |
| Deed Book / Page | 811 / 642 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Sep 22, 2021 |
| Property Address | 128 S CUMBERLAND ST, BEREA, KY 40403-1009 |
| Document Number | D811/642 |
| Book / Page | D811 / 642 |
| Map Reference | MB 12 PG 42 |
| Instrument Date | Sep 9, 2021 |
| Instrument | 2014054428 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2021 |
| Title Company | KENTUCKY LAND TITLE, KENTUCKY MTN LAND TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $236.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 128 S CUMBERLAND ST, 128, BEREA, KY 40403-1009 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 128 S CUMBERLAND ST, BEREA, KY 40403-1009 |
| Document Number | 2014054430 |
|---|---|
| Date | Sep 22, 2021 |
| Instrument | 2014054430 |
| Name | USDA |
|---|---|
| Type | Government Agency |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 396 Months |
| Due | Sep 9, 2054 |
The 2025 property tax bill for 128 S Cumberland St was $2,225.
Source: Madison County assessment roll, as of December 9, 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 | $2,225.00 | $236,000 | $236,000 |
| 2023 | $2,289.00 | $236,000 | $236,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 128 S Cumberland St 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 |
| Flood Insurance Cost | Premium on File median of 10 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 10 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 128 S Cumberland St is low, with a 0.02% annual chance of wildfire.
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 | 0.02% 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 | 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 284 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Windstream Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
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