Madison County property record for 1517 Phyllis Dr, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $256,400 (Aug 2018) |
| Tax Bill | $1,988 (2025) |
| Deeds & Mortgages | Oct 2026 Line of Credit Apr 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0074-0005-0225 |
| Primary APN | 0074-0005-0225 |
|---|---|
| Alternative APNs |
|
| Lot Area | 13,068 sqft (0.3 acres) |
|---|
| Account Number | 51577 |
|---|---|
| Street Address | 1517 PHYLLIS DR |
| City | BEREA |
| State | KY |
| Zip | 40403-9038 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOMESTEAD ESTS LOT 225 BLK 4 |
| Legal Subdivision | HOMESTEAD ESTATES |
| Legal Phase | 4 |
| Legal Block | 4 |
| Legal Lot Number | 225 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 11304 |
Source: Madison County records, as of October 20, 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 Record |
|---|---|
| Mailing Address | 1517 PHYLLIS DR, BEREA, KY 40403-9038 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 9, 2026 | Deed of Trust, Mortgage · Line of Credit US BANK |
| Apr 7, 2020 | Deed of Trust, Mortgage · VA Mortgage US BANK NA |
| Aug 10, 2018 | Warranty Deed, Subdivision Related Transfer · VA Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC |
| Feb 16, 2018 | Warranty Deed, Construction Loan |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 10, 2018 · Amount on Record |
| Deed Sale | Aug 10, 2018 · Amount on Record |
| Prior Sale | Feb 16, 2018 · Amount on Record |
| Deed Document Number | 20182013980041 |
| Deed Book / Page | 763 / 139 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Oct 9, 2026 |
| Property Address | 1517 PHYLLIS DR, BEREA, KY 40403-9038 |
| Document Number | 0014382171 |
| Book / Page | 2507 / 561 |
| Instrument Date | Sep 22, 2026 |
| Instrument | 202614382171 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2026 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1517 PHYLLIS DR, BEREA, KY 40403-9038 |
| Document Number | 0014382171, |
|---|---|
| Date | Oct 9, 2026 |
| Book Page | 2507/561 |
| Instrument | 202614382171 |
| Name | US BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 2, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 1517 PHYLLIS DR, BEREA, KY 40403-9038 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | M01930/665 |
|---|---|
| Date | Apr 7, 2020 |
| Book Page | M01930/665 |
| Instrument | 2014010035 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Aug 10, 2018 |
| Property Address | 1517 PHYLLIS DR, BEREA, KY 40403-9038 |
| Document Number | D00763/139 |
| Book / Page | D00763 / 139 |
| Map Reference | CAB24 SL170 |
| Instrument Date | Aug 7, 2018 |
| Instrument | 2013980041 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 17, 2023 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $256.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5668 SCAFFPD CAME RD, MOUNT VERNON, KY 40456 |
| Name | Verified Name |
|---|---|
| Address | 1517 PHYLLIS DR, BEREA, KY 40403-9038 |
| Document Number | 2013980042 |
|---|---|
| Date | Aug 10, 2018 |
| Instrument | 2013980042 |
| Name | ARK-LA-TEX FINANCIAL SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Feb 16, 2018 |
| Property Address | 1517 PHYLLIS DR, BEREA, KY 40403-9038 |
| Document Number | D00755/753 |
| Book / Page | D00755 / 753 |
| Map Reference | CAB24 SL170 |
| Instrument Date | Feb 16, 2018 |
| Instrument | 2013971877 |
| Transaction Type | Construction Loan |
| Record Updated | Feb 17, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $22.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 149 TRIGG ST, BEREA, KY 40403-6515 |
| Name | Verified Name |
|---|---|
| Address | 5668 SCAFFOLD CANE RD, MOUNT VERNON, KY 40456-7192 |
Source: Madison County assessment roll, as of December 9, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| Municipality | Berea City |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,988.00 (-2.41%) Homeowner's exemption | $260,000 (+1.4%) | $260,000 (+1.4%) |
| 2023 | $2,037.00 Homeowner's exemption | $256,400 | $256,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · above 67% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 194 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Windstream Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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