151 Lorraine Ct, Berea, KY 40403 Property Records

Madison County property record for 151 Lorraine Ct, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,578 sqft · built 1965
Owner	Individual Name on Record
Last Sale	$205,000 (Oct 2018)
Tax Bill	$2,443 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`B009-0012-0083`

Property Details

APN / Parcel Number

Primary APN	`B009-0012-0083`
Alternative APNs	`109633` `72854` `38809`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,578 sqft Living Area

Exterior

Year Built	Built 1965
Exterior Material	Brick
Garage Type	Detached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water

Location & Zoning

Account Number	38809
Street Address	151 LORRAINE CT
City	BEREA
State	KY
Zip	40403-1317
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E F DIZNEY LOT 20 & %21
Legal Subdivision	E F DIZNEY EST
Legal Lot Number	20
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	2
Census Block	2013
Census Tract	11303

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	151 LORRAINE CT, BEREA, KY 40403-1317
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2023	Deed of Trust, Mortgage · Line of Credit GUARDIAN SAVINGS BANK
Feb 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK FSB
Oct 24, 2018	Deed, Transfer · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2018 · Amount on Record
Deed Sale	Oct 24, 2018 · Amount on Record
Prior Sale	Jun 18, 2010 · Amount on Record
Deed Document Number	2013983768
Deed Book / Page	D00766 / 115
Record Updated	Jun 8, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	151 LORRAINE CT, BEREA, KY 40403-1317
Transaction Type	Mortgage
Record Updated	Feb 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	151 LORRAINE CT, BEREA, KY 40403-1317

Mortgage

Document Number	0M2216/407
Date	Feb 10, 2023
Book Page	M2216/407
Instrument	2014131138

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Jan 22, 2033

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	151 LORRAINE CT, BEREA, KY 40403-1317
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	RAINBOW TITLE COMPANY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01918/348
Date	Feb 13, 2020
Book Page	M01918/348
Instrument	2014007306

Lender

Name	GUARDIAN SAVINGS BANK FSB
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

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

October 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Oct 24, 2018
Property Address	151 LORRAINE CT, BEREA, KY 40403-1317
Document Number	D00766/115
Book / Page	D00766 / 115
Map Reference	CAB1 SL219
Instrument Date	Oct 19, 2018
Instrument	2013983768
Transaction Type	Transfer
Record Updated	Dec 17, 2021
Title Company	JETT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$205.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	392 BARRINGTON DR, 392, SOMERSET, KY 42503-5873

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	151 LORRAINE CT, BEREA, KY 40403-1317

Mortgage

Document Number	2013983769
Date	Oct 24, 2018
Instrument	2013983769

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 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	Berea Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,443.00 (-8.88%) Additional exemption filed	$205,000 (-)	$205,000 (-)
2023	$2,681.00	$205,000	$205,000

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	9 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 Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 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 81 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

May also be available: Verizon.

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