Rockcastle County property record for 1442 Flat Gap Rd, Berea, KY 40403 · Last verified February 2026
| Property Type | Single Family Home |
|---|---|
| Lot Size | 15.7 acres (683,892 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,293 (2025) |
| Deeds & Mortgages | Aug 2026 Line of Credit Apr 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 040-00-052.06 |
| Primary APN | 040-00-052.06 |
|---|---|
| Alternative APNs |
|
| Lot Area | 683,892 sqft (15.7 acres) |
|---|
| Account Number | 127401 |
|---|---|
| Street Address | 1442 FLAT GAP RD |
| City | BEREA |
| State | KY |
| Zip | 40403-8526 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 15.7 ACRES & HOUSE |
| Jurisdiction | ROCKCASTLE KY |
| Township / Civil Division | CONWAY |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 950100 |
Source: Rockcastle County records · APN 040-00-052.06
Assessment roll updated August 1, 2025 · Last verified February 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1442 FLAT GAP RD, BEREA, KY 40403-8526 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 06, 2026 | Deed of Trust, Mortgage · Line of Credit WHITAKER BANK INC |
| Apr 10, 2023 | Deed of Trust, Mortgage · Commercial Mortgage WHITAKER BANK INC |
| Sep 16, 2021 | Deed of Trust, Mortgage WHITAKER BANK INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Deed Document Number | 0000195234 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROCKCASTLE KY |
| Recording Date | Aug 06, 2026 |
| Property Address | 1442 FLAT GAP RD, BEREA, KY 40403-8526 |
| Document Number | 0373000247 |
| Book / Page | 373 / 247 |
| Instrument Date | Jul 08, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Aug 13, 2026 |
| Title Company | CSC DOCUMENT RECORDING |
| Name | Verified Name |
|---|---|
| Address | 1442 FLAT GAP RD, BEREA, KY 40403-8526 |
| Document Number | 0373000247, |
|---|---|
| Date | Aug 06, 2026 |
| Book Page | 373/247 |
| Name | WHITAKER BANK INC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 08, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROCKCASTLE KY |
| Property Address | 1442 FLAT GAP RD, BEREA, KY 40403-8526 |
| Transaction Type | Mortgage |
| Record Updated | Jun 02, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1442 FLAT GAP RD, BEREA, KY 40403-8526 |
| Document Number | 000337/545 |
|---|---|
| Date | Apr 10, 2023 |
| Book Page | 337/545 |
| Instrument | 385618 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40555 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | May 01, 2043 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROCKCASTLE KY |
| Property Address | 1442 FLAT GAP RD, BEREA, KY 40403-8526 |
| Transaction Type | Mortgage |
| Record Updated | Jan 24, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1442 FLAT GAP RD, BEREA, KY 40403-8526 |
| Document Number | 00M320/452 |
|---|---|
| Date | Sep 16, 2021 |
| Book Page | M320/452 |
| Instrument | 368414 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Address | MINNEAPOLIS, MN 55439 |
| Amount | Amount Recorded |
|---|---|
| Term | 120 Months |
| Due | Sep 15, 2031 |
Source: Rockcastle County records · Assessment roll updated August 1, 2025 · Last verified February 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Rockcastle County |
| Unified School District | Rockcastle County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,293.00 (-1.75%) | $159,000 (-) | $159,000 (-) |
| 2023 | $1,316.00 | $159,000 | $159,000 |
Source: FEMA National Flood Hazard Layer, Rockcastle County (21203C), updated August 3, 2009 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 212039501002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 1 individual NFIP policies nearby |
| Nearby Flood Policies | 1 in force 1 of 1 on primary residences |
| Wildfire Risk | Moderate above 40% of the US · above 71% of Kentucky |
|---|---|
| Wildfire Likelihood | About 1 in 2,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
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