166 Kaye St, Berea, KY 40403 Property Records

Madison County property record for 166 Kaye St, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Details	2,168 sqft
Owner	Individual Name on Record
Last Sale	$128,000 (Sep 2018)
Tax Bill	$2,109 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`B001-0003-0006`

Property Details

APN / Parcel Number

Primary APN	`B001-0003-0006`
Alternative APNs	`126905` `89766` `56523`

Interior

Stories	1 Story
Building Area	2,168 sqft Living Area

Exterior

Exterior Material	Aluminum/Vinyl
Garage Type	Detached
Garage Area	820 sqft
Parking Spaces	3 Parking Spaces
Total Buildings	2 Buildings

Location & Zoning

Account Number	56523
Street Address	166 KAYE ST
City	BEREA
State	KY
Zip	40403-1440
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ANGEL BLK B
Legal Subdivision	ANGEL ADD
Legal Block	B
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	3
Census Block	3017
Census Tract	11201

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	166 KAYE ST, BEREA, KY 40403-1440
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2026	Deed of Trust, Mortgage · Line of Credit WHITAKER BANK INC
Sep 26, 2018	Deed, Transfer PEOPLES BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 26, 2018 · Amount on Record
Deed Sale	Sep 26, 2018 · Amount on Record
Prior Sale	Mar 27, 2006 · Amount on Record
Deed Document Number	2013982401
Deed Book / Page	D00764 / 771
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Recording Date	Aug 12, 2026
Property Address	166 KAYE ST, BEREA, KY 40403-1440
Document Number	0014368387
Book / Page	2492 / 574
Instrument Date	Aug 4, 2026
Instrument	202614368387
Transaction Type	Mortgage
Record Updated	Aug 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	166 KAYE ST, BEREA, KY 40403-1440

Mortgage

Document Number	0014368387,
Date	Aug 12, 2026
Book Page	2492/574
Instrument	202614368387

Lender

Name	WHITAKER BANK INC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Aug 4, 2041

Interest

Rate Type	Adjustable Rate
Rate	7%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Sep 26, 2018
Property Address	166 KAYE ST, BEREA, KY 40403-1440
Document Number	D00764/771
Book / Page	D00764 / 771
Instrument Date	Sep 24, 2018
Instrument	2013982401
Transaction Type	Transfer
Record Updated	Aug 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$128.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	166 KAYE ST, 166, BEREA, KY 40403-1440

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	101 WATER ST, BEREA, KY 40403-1218

Mortgage

Document Number	2013982402
Date	Sep 26, 2018
Instrument	2013982402

Lender

Name	PEOPLES BANK & TRUST CO
Type	Bank

Agreement

Amount	Amount Recorded

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	$2,109.00 (+25.99%) Additional exemption filed	$177,000 (+38.28%)	$177,000 (+38.28%)
2023	$1,674.00	$128,000	$128,000

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	1 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 65% of the US · above 67% of Kentucky
Wildfire Likelihood	0.02% 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 297 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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