Madison County property record for 1518 Phyllis Dr, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.39 acres (16,988 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $425,000 (Sep 2025) |
| Tax Bill | $2,281 (2025) |
| Deeds & Mortgages | Aug 2019 Construction Loan Jun 2025 Line of Credit + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0074-0005-0174 |
| Primary APN | 0074-0005-0174 |
|---|---|
| Alternative APNs |
|
| Lot Area | 16,988 sqft (0.39 acres) |
|---|
| Account Number | 76029 |
|---|---|
| Street Address | 1518 PHYLLIS DR |
| City | BEREA |
| State | KY |
| Zip | 40403-9038 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOMESTEAD ESTS LOT 174-A BLK 4 |
| Legal Subdivision | HOMESTEAD EST |
| Legal Phase | 4 |
| Legal Block | 4 |
| Legal Lot Number | 174-A |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 11304 |
Source: Madison County records, as of February 26, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 1518 PHYLLIS DR, BEREA, KY 40403-9038 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| Aug 1, 2019 | Deed of Trust, Mortgage · Construction Mortgage PEOPLES BANK & TRUST CO OF MADISON CNTY |
| Jun 5, 2025 | Deed of Trust, Mortgage · Line of Credit CUMBERLAND VALLEY NATL BANK & TRUST CO |
| Nov 19, 2024 | Deed of Trust, Mortgage · Line of Credit CUMBERLAND VALLEY NATL BANK & TRUST CO |
| Sep 29, 2025 | Warranty Deed, Transfer |
| Oct 15, 2019 | Warranty Deed, Subdivision Related Transfer |
| Aug 14, 2018 | Warranty Deed, Subdivision Related Transfer |
| Feb 16, 2018 | Warranty Deed, Construction Loan |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 29, 2025 · Amount on Record |
| Deed Sale | Sep 29, 2025 · Amount on Record |
| Prior Sale | Oct 15, 2019 · Amount on Record |
| Deed Document Number | 202514288583 |
| Deed Book / Page | 873 / 710 |
| Prior Transfer Date | Sep 26, 2025 |
| Prior Transfer Doc | 0014288582 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 1518 PHYLLIS DR, BEREA, KY 40403-9038 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|
| Document Number | M01878/509 |
|---|---|
| Date | Aug 1, 2019 |
| Book Page | M01878/509 |
| Instrument | 2013996418 |
| Name | PEOPLES BANK & TRUST CO OF MADISON CNTY |
|---|---|
| Type | Bank |
| Address | BEREA, KY 40403 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 1518 PHYLLIS DR, BEREA, KY 40403-9038 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0M2383/604 |
|---|---|
| Date | Jun 5, 2025 |
| Book Page | M2383/604 |
| Instrument | 2014265196 |
| Name | CUMBERLAND VALLEY NATL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LONDON, KY 40743 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 1518 PHYLLIS DR, BEREA, KY 40403-9038 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1518 PHYLLIS DR, BEREA, KY 40403-9038 |
| Document Number | 0M2340/479 |
|---|---|
| Date | Nov 19, 2024 |
| Book Page | M2340/479 |
| Instrument | 2014232839 |
| Name | CUMBERLAND VALLEY NATL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LONDON, KY 40743 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Sep 29, 2025 |
| Property Address | 1518 PHYLLIS DR, BEREA, KY 40403-9038 |
| Document Number | 00D873/710 |
| Book / Page | D873 / 710 |
| Map Reference | CAB 28 SL 367 |
| Instrument Date | Sep 24, 2025 |
| Instrument | 2014288583 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $425.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 78 PINWIL DR, BEREA, KY 40403-8860 |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 1518 PHYLLIS DR, BEREA, KY 40403-9038 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Oct 15, 2019 |
| Property Address | 1518 PHYLLIS DR, BEREA, KY 40403-9038 |
| Document Number | D00779/790 |
| Book / Page | D00779 / 790 |
| Map Reference | CAB 28 SL 767 |
| Instrument Date | Oct 11, 2019 |
| Instrument | 2014000657 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 20, 2026 |
| 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 | 1518 PHYLLIS DR, BEREA, KY 40403-9038 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Aug 14, 2018 |
| Property Address | 1518 PHYLLIS DR, BEREA, KY 40403-9038 |
| Document Number | D00763/241 |
| Book / Page | D00763 / 241 |
| Map Reference | CAB24 SL170 |
| Instrument Date | Aug 10, 2018 |
| Instrument | 2013980194 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $23.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5668 SCAFFOLD CANE RD, MOUNT VERNON, KY 40456-7192 |
| Name | Verified Name |
|---|---|
| Address | 103 PINWIL DR, BEREA, KY 40403-8844 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Feb 16, 2018 |
| Property Address | 1518 PHYLLIS DR, BEREA, KY 40403-9038 |
| Document Number | D00755/761 |
| Book / Page | D00755 / 761 |
| Map Reference | CAB24 PG170 |
| Instrument Date | Feb 15, 2018 |
| Instrument | 2013971879 |
| Transaction Type | Construction Loan |
| Record Updated | Jan 20, 2026 |
| 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 |
| Investor | Possibly a Property Investor |
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 | $2,281.00 (-3.88%) Homeowner's exemption | $291,000 (-) | $291,000 (-) |
| 2023 | $2,373.00 Homeowner's exemption | $291,000 | $291,000 |
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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