1902 Gabbard Rd, Berea, KY 40403 Property Records

Garrard County property record for 1902 Gabbard Rd, Berea, KY 40403

Property Summary

Property Type	Rural Home
Details	built 2005
Lot Size	12.6 acres (551,470 sqft)
Owner	2 Individual Names on Record
Last Sale	$128,000 (Jun 2008)
Tax Bill	$1,182 (2025)
Deeds & Mortgages	Jun 2008 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`71-36.21`

Property Details

APN / Parcel Number

Primary APN	`71-36.21`
Alternative APN	`13208`

Interior

Stories	1 Story

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Other
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Metal
Lot Area	551,470 sqft (12.6 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	13208
Street Address	1902 GABBARD RD
City	BEREA
State	KY
Zip	40403-8974
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	PARCEL 16 12.66 AC DEER VALLEY
Legal Lot Number	16
Jurisdiction	GARRARD KY
Township / Civil Division	PAINT LICK
Census Block Group	2
Census Block	2017
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	2 Individual Names on Record
Mailing Address	1902 GABBARD RD, BEREA, KY 40403-8974
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2008 · Amount on Record
Deed Sale	Jun 17, 2008 · Amount on Record
Deed Book / Page	250 / 4
Record Updated	Oct 29, 2026

June 2008: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Jun 17, 2008
Property Address	1902 GABBARD RD, BEREA, KY 40403-8974
Document Number	00000250/4
Book / Page	250 / 4
Transaction Type	Transfer
Record Updated	May 5, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00M284/488
Date	Jun 17, 2008
Book Page	M284/488
Instrument	95622

Lender

Name	CAPITAL LENDING SOURCE LLC
Address	LEXINGTON, KY 40511

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2038

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		$120,000 (+3.45%)	$230,000 (+98.28%) Land $230,000
2025	$1,182.00 (-0.51%)	$116,000 (-) Land $6,000 Building $110,000	$116,000 (-) Land $6,000 Building $110,000
2024	$1,188.00 (-2.78%)	$116,000 (-) Land $6,000 Building $110,000	$116,000 (-) Land $6,000 Building $110,000
2023	$1,222.00 (-0.97%)	$116,000 (-) Land $6,000 Building $110,000	$116,000 (-) Land $6,000 Building $110,000
2022	$1,234.00	$116,000 Land $6,000 Building $110,000	$116,000 Land $6,000 Building $110,000

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	0.06% 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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	25 / 3

Cell Coverage

4G LTE (outdoors only), no 5G reported

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