Madison County property record for 1531 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 | $228,000 (Jan 2019) |
| Tax Bill | $2,376 (2025) |
| Deeds & Mortgages | May 2018 Construction Loan Oct 2019 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0074-0005-0244 |
| Primary APN | 0074-0005-0244 |
|---|---|
| Alternative APNs |
|
| Lot Area | 13,068 sqft (0.3 acres) |
|---|
| Account Number | 49584 |
|---|---|
| Street Address | 1531 PHYLLIS DR |
| City | BEREA |
| State | KY |
| Zip | 40403-9038 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOMESTEAD ESTS LOT 244 BLK 4 |
| Legal Subdivision | HOMESTEAD ESTATES |
| Legal Phase | 4 |
| Legal Block | 4 |
| Legal Lot Number | 244 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 11304 |
Source: Madison County records, as of January 19, 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 |
|---|---|
| Co-owner | 2 Co-owners on Record |
| Mailing Address | 1531 PHYLLIS DR, BEREA, KY 40403-9038 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 25, 2018 | Deed of Trust, Mortgage · Construction Mortgage COMMUNITY TRUST BANK NA |
| Oct 3, 2019 | Deed of Trust, Mortgage · Conventional Mortgage ARK-LA-TEX FINANCE SERVICES LLC |
| Dec 10, 2024 | Intrafamily Transfer, Transfer |
| Jan 23, 2019 | Deed, Transfer · Conventional Mortgage ARK-LA-TEX FINANCE SERVICES LLC |
| Mar 6, 2018 | Warranty Deed, Subdivision Related Transfer |
| Deed Names | 4 Names on Deed |
|---|---|
| Last Sale | Jan 23, 2019 · Amount on Record |
| Deed Sale | Jan 23, 2019 · Amount on Record |
| Prior Sale | Jan 23, 2019 · Amount on Record |
| Deed Document Number | D00769/237 |
| Deed Book / Page | D00769 / 237 |
| Last Transfer Date | Dec 10, 2024 |
| Transfer Doc | 00D861/215 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 1531 PHYLLIS DR, BEREA, KY 40403-9038 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|
| Document Number | M01805/444 |
|---|---|
| Date | May 25, 2018 |
| Book Page | M01805/444 |
| Instrument | 2013976288 |
| Name | COMMUNITY TRUST BANK NA |
|---|---|
| Type | Non-Lending Institution |
| Address | RICHMOND, KY 40475 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 1531 PHYLLIS DR, BEREA, KY 40403-9038 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | M01892/235 |
|---|---|
| Date | Oct 3, 2019 |
| Book Page | M01892/235 |
| Instrument | 2013999884 |
| Name | ARK-LA-TEX FINANCE SERVICES LLC |
|---|---|
| Type | Lending Institution |
| Address | PLANO, TX 75024 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2049 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Dec 10, 2024 |
| Property Address | 1531 PHYLLIS DR, BEREA, KY 40403-9038 |
| Document Number | 00D861/215 |
| Book / Page | D861 / 215 |
| Map Reference | MB 1 PG 51 |
| Instrument Date | Dec 9, 2024 |
| Instrument | 2014236594 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2584 RED HOUSE RD, RICHMOND, KY 40475-9329 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 1531 PHYLLIS DR, BEREA, KY 40403-9038 |
| Investor | Possibly a Property Investor |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jan 23, 2019 |
| Property Address | 1531 PHYLLIS DR, BEREA, KY 40403-9038 |
| Document Number | D00769/237 |
| Book / Page | D00769 / 237 |
| Map Reference | CAB 24 SL 170 |
| Instrument Date | Jan 17, 2019 |
| Instrument | 2013987488 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $228.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 587 OWSLEY FORK RD, BEREA, KY 40403-9664 |
| Name | Verified Name |
|---|---|
| Address | 1531 PHYLLIS DR, BEREA, KY 40403-9038 |
| Investor | Possibly a Property Investor |
| Document Number | 2013987489 |
|---|---|
| Date | Jan 23, 2019 |
| Instrument | 2013987489 |
| Name | ARK-LA-TEX FINANCE SERVICES LLC |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Feb 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Mar 6, 2018 |
| Property Address | 1531 PHYLLIS DR, BEREA, KY 40403-9038 |
| Document Number | D00756/453 |
| Book / Page | D00756 / 453 |
| Map Reference | CAB24 SL170 |
| Instrument Date | Mar 2, 2018 |
| Instrument | 2013972495 |
| 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 | 587 OWSLEY FORK RD, BEREA, KY 40403-9664 |
| Investor | Possibly a Property Investor |
Source: Madison County assessment roll, as of April 1, 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 | $2,376.00 (+7.46%) Additional exemption filed | $252,000 (+10.53%) | $252,000 (+10.53%) |
| 2023 | $2,211.00 | $228,000 | $228,000 |
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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