Madison County property record for 165 Chapel Ln, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,816 sqft · built 2003 |
| Lot Size | 1.09 acres (47,480 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $214,500 (Jun 2012) |
| Tax Bill | $2,810 (2025) |
| Deeds & Mortgages | Nov 2022 Mortgage Jan 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 0059-0000-0034-2 |
| Primary APN | 0059-0000-0034-2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,816 sqft Living Area |
| Year Built | Built 2003 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 47,480 sqft (1.09 acres) |
| Garage Type | Attached |
| Garage Area | 904 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Porch |
| Porch Area | 200 sqft |
| Deck Area | 216 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 48162 |
|---|---|
| Street Address | 165 CHAPEL LN |
| City | BEREA |
| State | KY |
| Zip | 40403-8719 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 1-A (1.09 ACRES) |
| Legal Lot Number | 1-A |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 11202 |
165 Chapel Ln is owned and occupied by two individuals who bought it in June 2012.
Source: Madison County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 165 CHAPEL LN, BEREA, KY 40403-8719 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 2, 2022 | Deed of Trust, Mortgage · Conventional Mortgage COMMONWEALTH CREDIT UNION |
| Jan 13, 2020 | Deed of Trust, Mortgage · Line of Credit COMMONWEALTH CREDIT UNION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 21, 2012 · Amount on File |
| Deed Sale | Jun 21, 2012 · Amount on File |
| Deed Document Number | 0000735409 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 165 CHAPEL LN, BEREA, KY 40403-8719 |
| Transaction Type | Mortgage |
| Record Updated | Nov 18, 2022 |
| Name | Verified Name |
|---|---|
| Address | 165 CHAPEL LN, BEREA, KY 40403-8719 |
| Document Number | 0M2199/494 |
|---|---|
| Date | Nov 2, 2022 |
| Book Page | M2199/494 |
| Instrument | 2014118160 |
| Name | COMMONWEALTH CREDIT UNION |
|---|---|
| Type | Credit Union |
| Address | FRANKFORT, KY 40602 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.75% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Nov 1, 2032 |
| Change Frequency | Annually |
| Min Rate At Change | 4.75% |
| Max Rate At Change | 6.75% |
| Index | 1-Year CMT |
| Max Rate | 10.7% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 165 CHAPEL LN, BEREA, KY 40403-8719 |
| Transaction Type | Mortgage |
| Record Updated | Dec 17, 2021 |
| Name | Verified Name |
|---|
| Document Number | M01911/381 |
|---|---|
| Date | Jan 13, 2020 |
| Book Page | M01911/381 |
| Instrument | 2014005326 |
| Name | COMMONWEALTH CREDIT UNION |
|---|---|
| Type | Credit Union |
| Address | FRANKFORT, KY 40601 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 165 Chapel Ln was $2,810 with an additional exemption.
Source: Madison County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,810.00 Additional exemption filed | $298,000 | $298,000 |
| 2023 | $2,366.00 | $244,000 | $244,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 165 Chapel Ln in Zone X, an area of minimal flood risk.
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 | 3 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 risk around 165 Chapel Ln is low, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · above 68% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Direct burnable vegetation |
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 | SOUTHERN MADISON WATER DISTRICT serves 14,707 people · EPA ID KY0760407 |
|---|---|
| Water Source | Purchased surface water from BEREA MUNICIPAL UTILITIES |
| Last State Inspection | May 2023 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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 24 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 |
| Verizon Fixed Wireless | 300 / 20 |
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