1509 Phyllis Dr, Berea, KY 40403 Property Records

Madison County property record for 1509 Phyllis Dr, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Lot Size	0.33 acres (14,375 sqft)
Owner	Individual Name on Record
Last Sale	$247,000 (Feb 2020)
Tax Bill	$2,564 (2025)
Deeds & Mortgages	Jan 2019 Mortgage Sep 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0074-0005-0229`

Property Details

APN / Parcel Number

Primary APN	`0074-0005-0229`
Alternative APNs	`114427` `77525` `43709`

Exterior

Lot Area	14,375 sqft (0.33 acres)

Location & Zoning

Account Number	43709
Street Address	1509 PHYLLIS DR
City	BEREA
State	KY
Zip	40403-9038
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOMESTEAD ESTS LOT 229 BLK 4
Legal Subdivision	HOMESTEAD ESTATES
Legal Phase	4
Legal Block	4
Legal Lot Number	229
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	1509 PHYLLIS DR, BEREA, KY 40403-9038
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2019	Deed of Trust, Mortgage PEOPLES BANK & TRUST CO OF MADISON CNTY
Sep 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jan 21, 2022	Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF KENTUCKY FCU
Feb 5, 2020	Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Mar 1, 2018	Warranty Deed, Subdivision Related Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 5, 2020 · Amount on Record
Deed Sale	Feb 5, 2020 · Amount on Record
Prior Sale	Mar 1, 2018 · Amount on Record
Deed Document Number	2014006818
Deed Book / Page	D00784 / 226
Record Updated	Jun 8, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	1509 PHYLLIS DR, BEREA, KY 40403-9038
Transaction Type	Mortgage
Record Updated	Feb 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01843/462
Date	Jan 18, 2019
Book Page	M01843/462
Instrument	2013987279

Lender

Name	PEOPLES BANK & TRUST CO OF MADISON CNTY
Type	Bank
Address	BEREA, KY 40403

Agreement

Amount	Amount Recorded
Term	30 Months
Due	Jul 17, 2021

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	1509 PHYLLIS DR, BEREA, KY 40403-9038
Transaction Type	Mortgage
Record Updated	Feb 17, 2023
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01981/290
Date	Sep 25, 2020
Book Page	M01981/290
Instrument	2014020996

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	1509 PHYLLIS DR, BEREA, KY 40403-9038
Transaction Type	Mortgage
Record Updated	Feb 17, 2023
Title Company	HIGH STREET TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M2127/450
Date	Jan 21, 2022
Book Page	M2127/450
Instrument	2014073460

Lender

Name	UNIVERSITY OF KENTUCKY FCU
Type	Credit Union
Address	40609

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jan 20, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Feb 5, 2020
Property Address	1509 PHYLLIS DR, BEREA, KY 40403-9038
Document Number	D00784/226
Book / Page	D00784 / 226
Map Reference	CAB 24 SL 170
Instrument Date	Jan 31, 2020
Instrument	2014006818
Transaction Type	Transfer
Record Updated	Feb 17, 2023
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$247.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	226 TERRI AVE, BEREA, KY 40403-1818

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	172 WESTWOOD DR, BEREA, KY 40403-9441

Mortgage

Document Number	2014006819
Date	Feb 5, 2020
Instrument	2014006819

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2050

March 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Mar 1, 2018
Property Address	1509 PHYLLIS DR, BEREA, KY 40403-9038
Document Number	D00756/335
Book / Page	D00756 / 335
Map Reference	CAB24 SL170
Instrument Date	Feb 28, 2018
Instrument	2013972319
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 17, 2023

Transaction

Amount	Amount Recorded
Tax	$22.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	149 TRIGG ST, BEREA, KY 40403-6515

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	226 TERRI AVE, BEREA, KY 40403-1818

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	$2,564.00 (+7.06%) Additional exemption filed	$272,000 (+10.12%)	$272,000 (+10.12%)
2023	$2,395.00	$247,000	$247,000

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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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