1507 Phyllis Dr, Berea, KY 40403 Property Records

Madison County property record for 1507 Phyllis Dr, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Last Sale	$322,500 (Jul 2022)
Tax Bill	$2,578 (2025)
Deeds & Mortgages	Jul 2017 Construction Loan Feb 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0074-0005-0230`

Property Details

APN / Parcel Number

Primary APN	`0074-0005-0230`
Alternative APNs	`111214` `74381` `40417`

Exterior

Lot Area	13,068 sqft (0.3 acres)

Location & Zoning

Account Number	40417
Street Address	1507 PHYLLIS DR
City	BEREA
State	KY
Zip	40403-9038
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOMESTEAD ESTS LOT 230 BLK 4
Legal Subdivision	HOMESTEAD ESTATES
Legal Phase	4
Legal Block	4
Legal Lot Number	230
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	1
Census Block	1008
Census Tract	11304

Owner

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1507 PHYLLIS DR, BEREA, KY 40403-9038
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2017	Deed of Trust, Mortgage · Construction Mortgage COMMUNITY TRUST BANK INC
Feb 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage STOCKTON MORTGAGE CORP
Apr 28, 2021	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jul 27, 2022	Deed, Transfer · Conventional Mortgage FIRST FINANCIAL BANK
Feb 12, 2018	Deed, Transfer · Conventional Mortgage MERCHANTS NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2022 · Amount on Record
Deed Sale	Jul 27, 2022 · Amount on Record
Prior Sale	Feb 12, 2018 · Amount on Record
Deed Document Number	2014103217
Deed Book / Page	D826 / 675
Record Updated	Jun 8, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	1507 PHYLLIS DR, BEREA, KY 40403-9038
Transaction Type	Mortgage
Record Updated	Feb 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	M01754/675
Date	Jul 24, 2017
Book Page	M01754/675
Instrument	2013962024

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank
Address	RICHMOND, KY 40475

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	9 Months
Due	Apr 13, 2018

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	1507 PHYLLIS DR, BEREA, KY 40403-9038
Transaction Type	Mortgage
Record Updated	Feb 17, 2023
Title Company	CLEAR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01849/266
Date	Feb 28, 2019
Book Page	M01849/266
Instrument	2013988930

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company
Address	FRANKFORT, KY 40601

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	1507 PHYLLIS DR, BEREA, KY 40403-9038
Transaction Type	Mortgage
Record Updated	Feb 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0M2047/139
Date	Apr 28, 2021
Book Page	M2047/139
Instrument	2014034827

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded

July 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Jul 27, 2022
Property Address	1507 PHYLLIS DR, BEREA, KY 40403-9038
Document Number	00D826/675
Book / Page	D826 / 675
Map Reference	MB 24 PG 170
Instrument Date	Jul 21, 2022
Instrument	2014103217
Transaction Type	Transfer
Record Updated	Feb 17, 2023
Title Company	JETT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$322.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3051 RIO DOSA DR APT 344, 344, LEXINGTON, KY 40509-1546

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1507 PHYLLIS DR, BEREA, KY 40403-9038

Mortgage

Document Number	2014103222
Date	Jul 27, 2022
Instrument	2014103222

Lender

Name	FIRST FINANCIAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Aug 1, 2032

February 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Feb 12, 2018
Property Address	1507 PHYLLIS DR, BEREA, KY 40403-9038
Document Number	D00755/607
Book / Page	D00755 / 607
Map Reference	MB24 PG170
Instrument Date	Feb 9, 2018
Instrument	2013971608
Transaction Type	Transfer
Record Updated	Feb 17, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$224.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	587 OWSLEY FORK RD, BEREA, KY 40403-9664

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1507 PHYLLIS DR, BEREA, KY 40403-9038

Mortgage

Document Number	2013971609
Date	Feb 12, 2018
Instrument	2013971609

Lender

Name	MERCHANTS NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2048

Tax Assessment & Valuation

Source: Madison County assessment roll, as of April 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
Municipality	Berea City
County	Madison County
Unified School District	Madison County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,578.00 (-17.58%) Homeowner's exemption	$322,500 (-)	$322,500 (-)
2023	$3,128.00	$322,500	$322,500

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 13 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	13 in force
Nearby Flood Claims	1 (2022)
Most Recent Claim	Jul 2022 · rainfall accumulation

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 Risk	Low lower than 67% of the US · above 66% of Kentucky
Wildfire Likelihood	0.05% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 65 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

May also be available: Windstream.

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