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139 Commerce Dr, Berea, KY 40403 Property Records

Madison County property record for 139 Commerce Dr, Berea, KY 40403

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,263 sqft
Lot Size0.48 acres (20,909 sqft)
Owner2 Company Names on Record
Last Sale$66,000 (Dec 2022)
Tax Bill$2,177 (2025)
Deeds & MortgagesApr 2024 Sale
Dec 2023 Sale & Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN0048-0000-0027-ZU

Property Details

APN / Parcel Number

Primary APN0048-0000-0027-ZU
Alternative APNs
  • 134355
  • 97160
  • 69617

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,263 sqft Living Area

Exterior

Exterior MaterialBrick
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area20,909 sqft (0.48 acres)
Garage TypeAttached
Garage Area436 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area22 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump
Heating FuelElectric

Location & Zoning

Account Number69617
Street Address139 COMMERCE DR
CityBEREA
StateKY
Zip40403-8870
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionINTERSTATE BUSINESS CENTER LOT 20
Legal SubdivisionINTERSTATE BUS CNTR
Legal Lot Number20
JurisdictionMADISON KY
Township / Civil DivisionBEREA
Census Block Group2
Census Block2026
Census Tract11401

Owner

Source: Madison County records, as of December 12, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Company Names on Record
Mailing Address139 COMMERCE DR, BEREA, KY 40403-8870
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust

Deeds, Mortgages & Sale History

DateDocument
Apr 11, 2024Warranty Deed, Transfer
Dec 21, 2023Deed, Transfer · Conventional Mortgage
ATLANTIC BAY MORTGAGE GROUP LLC
Oct 15, 2020Deed, Transfer · FHA Mortgage
FAIRWAY INDEPENDENT MORTGAGE CORP
Feb 21, 2020Deed, Transfer · Conventional Mortgage
PARK COMMUNITY FCU
Feb 12, 2019Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 22, 2022 · Amount on Record
Deed SaleDec 22, 2022 · Amount on Record
Prior SaleDec 22, 2022 · Amount on Record
Deed Document Number202214124728
Deed Book / Page833 / 111
Last Transfer DateApr 1, 2024
Transfer Doc00D850/783
Record UpdatedSep 20, 2026

April 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMADISON KY
Recording DateApr 11, 2024
Property Address139 COMMERCE DR, BEREA, KY 40403-8870
Document Number00D850/783
Book / PageD850 / 783
Map ReferenceCAB 21 SL 315
Instrument DateApr 1, 2024
Instrument2014198750
Transaction TypeTransfer
Record UpdatedApr 23, 2024

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address139 COMMERCE DR, BEREA, KY 40403-8870

December 2023: Deed, Transfer

Document TypeDeed
JurisdictionMADISON KY
Recording DateDec 21, 2023
Property Address139 COMMERCE DR, BEREA, KY 40403-8870
Document Number000D847/49
Book / PageD847 / 49
Map ReferenceCAB 21 SL 315
Instrument DateDec 18, 2023
Instrument2014183805
Transaction TypeTransfer
Record UpdatedJan 1, 2024
Title CompanyBLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$280.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address912 PILOT KNOB CEMETARY RD, BEREA, KY 40403-8616

Transferred To (Grantee/Buyer)

NameVerified Name
Address139 COMMERCE DR, BEREA, KY 40403-8870

Mortgage

Document Number2014183806
DateDec 21, 2023
Instrument2014183806
Lender
NameATLANTIC BAY MORTGAGE GROUP LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 1, 2054

October 2020: Deed, Transfer

Document TypeDeed
JurisdictionMADISON KY
Recording DateOct 15, 2020
Property Address139 COMMERCE DR, BEREA, KY 40403-8870
Document NumberD00795/585
Book / PageD00795 / 585
Map ReferenceCAB 21 SL 315
Instrument DateOct 9, 2020
Instrument2014022342
Transaction TypeTransfer
Record UpdatedDec 17, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$213.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address139 COMMERCE DR, BEREA, KY 40403-8870

Mortgage

Document Number2014022343
DateOct 15, 2020
Instrument2014022343
Lender
NameFAIRWAY INDEPENDENT MORTGAGE CORP
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueNov 1, 2050

February 2020: Deed, Transfer

Document TypeDeed
JurisdictionMADISON KY
Recording DateFeb 21, 2020
Property Address139 COMMERCE DR, BEREA, KY 40403-8870
Document NumberD00784/690
Book / PageD00784 / 690
Map ReferenceCAB 21 SL 315
Instrument DateFeb 13, 2020
Instrument2014007680
Transaction TypeTransfer
Record UpdatedDec 17, 2021
Title CompanyBLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$175.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address139 COMMERCE DR, 139, BEREA, KY 40403-8870

Transferred To (Grantee/Buyer)

NameVerified Name
Address139 COMMERCE DR, BEREA, KY 40403-8870

Mortgage

Document Number2014007681
DateFeb 21, 2020
Instrument2014007681
Lender
NamePARK COMMUNITY FCU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 1, 2050
Interest
Rate TypeAdjustable Rate
Rate3.75%
AdjustableAdjustable Rate Rider
Type Change DateMar 1, 2030
Change FrequencyAnnually
Min Rate At Change3.75%
Index10-Year TN
Max Rate9.75%

February 2019: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionMADISON KY
Recording DateFeb 12, 2019
Property Address139 COMMERCE DR, BEREA, KY 40403-8870
Document NumberD00769/717
Book / PageD00769 / 717
Map ReferenceCAB 21 SL 315
Instrument DateFeb 8, 2019
Instrument2013988273
Transaction TypeTransfer
Record UpdatedDec 17, 2021

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address139 COMMERCE DR, 139, BEREA, KY 40403-8870

Transferred To (Grantee/Buyer)

NameVerified Name
Address207 ARLINGTON MEADOWS DR, FISHERVILLE, KY 40023-7732

Tax Assessment & Valuation

Source: Madison County assessment roll, as of December 9, 2025

Property Jurisdictions

TypeName
StateKentucky
MunicipalityBerea City
CountyMadison County
Unified School DistrictMadison County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,177.00 (+5.17%) Homeowner's exemption$280,000 (+31.15%)$280,000 (+31.15%)
2023$2,070.00 (-0.34%)$213,500 (-)$213,500 (-)
2022$2,077.00$213,500$213,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective December 21, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies3 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood0.03% annual chance
ExposureIndirect
within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemSOUTHERN MADISON WATER DISTRICT
serves 14,707 people · EPA ID KY0760407
Water SourcePurchased surface water from BEREA MUNICIPAL UTILITIES
Last State InspectionMay 2023
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting3
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 127 locations within half a mile, as of December 31, 2025

ProviderMax 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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