178 Lorraine Ct, Berea, KY 40403 Property Records

Madison County property record for 178 Lorraine Ct, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Apr 2026)
Tax Bill	$4,170 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Apr 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`B009-0012-0082-9`

Property Details

APN / Parcel Number

Primary APN	`B009-0012-0082-9`
Alternative APNs	`111778` `74917` `40964`

Exterior

Lot Area	15,246 sqft (0.35 acres)

Location & Zoning

Account Number	40964
Street Address	178 LORRAINE CT
City	BEREA
State	KY
Zip	40403-1318
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LORRAINE WOODS LOT 9
Legal Subdivision	LORRAINE WOODS
Legal Lot Number	9
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	2
Census Block	2013
Census Tract	11303

Owner

Source: Madison County records, as of July 2, 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
Mailing Address	9018 LANDON LN, RICHMOND, KY 40475-7545
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2020	Deed of Trust, Mortgage · Commercial Mortgage CENTRAL BANK & TRUST CO
Apr 3, 2026	Warranty Deed, Transfer · Conventional Mortgage COMMUNITY TRUST BANK
Apr 3, 2026	Warranty Deed, Transfer · Conventional Mortgage COMMUNITY TRUST BANK
Jun 2, 2021	Deed, Transfer · Conventional Mortgage DAS ACQUISITION
Aug 7, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 3, 2026 · Amount on Record
Deed Sale	Apr 3, 2026 · Amount on Record
Prior Sale	Jun 2, 2021 · Amount on Record
Deed Document Number	202614335618
Deed Book / Page	881 / 10
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	178 LORRAINE CT, BEREA, KY 40403-1318
Transaction Type	Mortgage
Record Updated	Apr 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	M01987/232
Date	Oct 14, 2020
Book Page	M01987/232
Instrument	2014022248

Lender

Name	CENTRAL BANK & TRUST CO
Type	Bank
Address	LEXINGTON, KY 40507

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	9 Months
Due	Jul 13, 2021

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Apr 3, 2026
Property Address	178 LORRAINE CT, BEREA, KY 40403-1318
Document Number	0014335618
Book / Page	881 / 10
Instrument Date	Mar 23, 2026
Instrument	202614335618
Transaction Type	Transfer
Record Updated	Apr 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$40,400.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9018 LANDON LN, RICHMOND, KY 40475-7545

Mortgage

Document Number	0014335625,
Date	Apr 3, 2026
Instrument	202614335625

Lender

Name	COMMUNITY TRUST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.63%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Apr 3, 2026
Property Address	178 LORRAINE CT, BEREA, KY 40403-1318
Document Number	000D881/10
Book / Page	881 / 10
Instrument Date	Mar 23, 2026
Instrument	202614335618
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$40,400.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9018 LANDON LN, RICHMOND, KY 40475-7545

Mortgage

Document Number	0014335625,
Date	Apr 3, 2026
Instrument	202614335625

Lender

Name	COMMUNITY TRUST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.63%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Jun 2, 2021
Property Address	178 LORRAINE CT, BEREA, KY 40403-1318
Document Number	00D806/276
Book / Page	D806 / 276
Map Reference	CAB 24 SL 47
Instrument Date	May 19, 2021
Instrument	2014039143
Transaction Type	Transfer
Record Updated	Dec 17, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$350.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3342 WALNUT MEADOW RD, 3342, PAINT LICK, KY 40461-8569

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	178 LORRAINE CT, BEREA, KY 40403-1318

Mortgage

Document Number	2014039144
Date	Jun 2, 2021
Instrument	2014039144

Lender

Name	DAS ACQUISITION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Aug 7, 2020
Property Address	178 LORRAINE CT, BEREA, KY 40403-1318
Document Number	0D00792/30
Book / Page	D00792 / 30
Map Reference	CAB 24 SL 47
Instrument Date	Aug 3, 2020
Instrument	2014017549
Transaction Type	Transfer
Record Updated	Dec 17, 2021

Transaction

Amount	Amount Recorded
Tax	$35.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	137 LORRAINE CT, 137, BEREA, KY 40403-1317

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	3342 WALNUT MEADOW RD, PAINT LICK, KY 40461-8569

Tax Assessment & Valuation

Source: Madison County assessment roll, as of December 9, 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	$4,170.00 (-8.87%)	$349,900 (-)	$349,900 (-)
2023	$4,576.00	$349,900	$349,900

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	9 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 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% 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 81 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Windstream Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

Nearby Properties on Lorraine Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures