174 Ford Ln, Berea, KY 40403 Property Records

Garrard County property record for 174 Ford Ln, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Lot Size	3 acres (130,680 sqft)
Owner	Individual Name on Record
Last Sale	$105,000 (Dec 2006)
Tax Bill	$3,203 (2025)
Deeds & Mortgages	Dec 2006 Mortgage Jul 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`71-30`

Property Details

APN / Parcel Number

Primary APN	`71-30`
Alternative APN	`23209`

Exterior

Lot Area	130,680 sqft (3 acres)

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	23209
Street Address	174 FORD LN
City	BEREA
State	KY
Zip	40403-8998
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	H & 3.0 AC
Jurisdiction	GARRARD KY
Township / Civil Division	PAINT LICK
Census Block Group	2
Census Block	2030
Census Tract	970400

Owner

Source: Garrard County records, as of September 23, 2026

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
Mailing Address	174 FORD LN, BEREA, KY 40403-8998
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2006	Deed of Trust, Mortgage · Conventional Mortgage SUNTRUST MORTGAGE INC
Jul 8, 2021	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 20, 2006 · Amount on Record
Deed Sale	Dec 20, 2006 · Amount on Record
Deed Book / Page	242 / 341
Record Updated	Oct 29, 2026

December 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	174 FORD LN, BEREA, KY 40403-8998
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00M267/440
Date	Dec 20, 2006
Book Page	M267/440
Instrument	78164

Lender

Name	SUNTRUST MORTGAGE INC
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2037

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Jul 8, 2021
Property Address	174 FORD LN, BEREA, KY 40403-8998
Document Number	00D310/590
Book / Page	D310 / 590
Map Reference	DB 242 PG 341
Instrument Date	Jul 2, 2021
Instrument	162780
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Tax	$359.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	703 BOXWOOD DR, BEREA, KY 40403-9587

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	174 FORD LN, BEREA, KY 40403-8998

Tax Assessment & Valuation

Source: Garrard County assessment roll, as of May 5, 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Garrard County
Unified School District	Garrard County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$363,400 (-) Land $58,800 Building $304,600	$363,400 (-) Land $58,800 Building $304,600
2025	$3,203.00 (-1.36%) Disabled Person's exemption Veteran's exemption	$363,400 (-) Land $58,800 Building $304,600	$363,400 (-) Land $58,800 Building $304,600
2024	$3,247.00 (-2.84%) Disabled Person's exemption Veteran's exemption	$363,400 (-) Land $58,800 Building $304,600	$363,400 (-) Land $58,800 Building $304,600
2023	$3,342.00 (-1.39%) Disabled Person's exemption Veteran's exemption	$363,400 (+1.23%) Land $58,800 Building $304,600	$363,400 (+1.23%) Land $58,800 Building $304,600
2022	$3,389.00 Disabled Person's exemption Veteran's exemption	$359,000 Land $100,000 Building $259,000	$359,000 Land $100,000 Building $259,000

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1991–2010)
Claims Outside the SFHA	1 of 2
Most Recent Claim	May 2010 · Severe Storms, Flooding, Mudslides, And Tornadoes

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	Moderate above 40% of the US · above 70% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WESTERN ROCKCASTLE WATER ASSOC private · serves 12,623 people · EPA ID KY1020891
Water Source	Purchased surface water from several systems
Last State Inspection	Aug 2025
Lead	2 ppb (2024–2026) 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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	200 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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