192 Wilson Ln, Berea, KY 40403 Property Records

Madison County property record for 192 Wilson Ln, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Lot Size	0.751 acres (32,727 sqft)
Owner	2 Individual Names on Record
Last Sale	$109,900 (May 2026)
Tax Bill	$1,465 (2025)
Deeds & Mortgages	Jul 2006 Mortgage May 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0086-0000-0002-B`

Property Details

APN / Parcel Number

Primary APN	`0086-0000-0002-B`
Alternative APNs	`151885` `114456` `90724` `43741`

Exterior

Lot Area	32,727 sqft (0.751 acres)

Location & Zoning

Account Number	43741
Street Address	192 WILSON LN
City	BEREA
State	KY
Zip	40403-9717
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DESC
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	2
Census Block	2006
Census Tract	11101

Owner

Source: Madison County records, as of September 29, 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	192 WILSON LN, BEREA, KY 40403-9717
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2006	Deed of Trust, Mortgage · ARM FIRST FRANKLIN FINANCIAL CORP
May 19, 2026	Special Warranty Deed, Transfer · Conventional Mortgage COMMUNITY TRUST BANK
Sep 29, 2025	Commissioner's Deed, Foreclosure
Nov 1, 2022	Deed, Transfer · Conventional Mortgage STOCKTON MORTGAGE CORP
Dec 21, 2021	Deed, Transfer · Line of Credit BP FUNDING GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 19, 2026 · Amount on Record
Deed Sale	May 19, 2026 · Amount on Record
Prior Sale	Sep 29, 2025 · Amount on Record
Deed Document Number	202614349722
Deed Book / Page	882 / 796
Prior Transfer Date	Oct 4, 2010
Prior Transfer Doc	00D661/139
Record Updated	Oct 29, 2026

July 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	192 WILSON LN, BEREA, KY 40403-9717
Transaction Type	Mortgage
Record Updated	Jun 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1121/159
Date	Jul 21, 2006
Book Page	M1121/159
Instrument	372549

Lender

Name	FIRST FRANKLIN FINANCIAL CORP
Type	Subprime Lender
Address	SAN JOSE, CA 95131

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2036
Prepayment Penalty	00 Months

Interest

Rate Type	Adjustable Rate
Rate	8.65%
Type Change Date	Aug 1, 2008
Change Frequency	6 Months
Min Rate At Change	8.65%
Max Rate At Change	11.6%
Index	6-Month LIBOR
Max Rate	14.6%

May 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MADISON KY
Recording Date	May 19, 2026
Property Address	192 WILSON LN, BEREA, KY 40403-9717
Document Number	0014349722
Book / Page	882 / 796
Instrument Date	Apr 30, 2026
Instrument	202614349722
Transaction Type	Transfer
Record Updated	Jun 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11,099.90
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	192 WILSON LN, BEREA, KY 40403-9717

Mortgage

Document Number	0014349725,
Date	May 19, 2026
Instrument	202614349725

Lender

Name	COMMUNITY TRUST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.77%
Initial Type	Fixed Rate
Max Rate	-1%

September 2025: Commissioner's Deed, Foreclosure

Document Type	Commissioner's Deed
Jurisdiction	MADISON KY
Recording Date	Sep 29, 2025
Property Address	192 WILSON LN, BEREA, KY 40403-9717
Document Number	00D873/627
Book / Page	D873 / 627
Instrument Date	Aug 13, 2025
Instrument	2014288342
Transaction Type	Foreclosure
Record Updated	Oct 13, 2025

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9726 OLD BAILES RD STE 200, 200, FORT MILL, SC 29707-7882

November 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Nov 1, 2022
Property Address	192 WILSON LN, BEREA, KY 40403-9717
Document Number	000D831/71
Book / Page	D831 / 71
Instrument Date	Oct 20, 2022
Instrument	2014118025
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$155.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	109 MACARTHUR CT, NICHOLASVILLE, KY 40356-9168

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	192 WILSON LN, BEREA, KY 40403-9717

Mortgage

Document Number	2014118026
Date	Nov 1, 2022
Instrument	2014118026

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2052

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Dec 21, 2021
Property Address	192 WILSON LN, BEREA, KY 40403-9717
Document Number	000D816/73
Book / Page	D816 / 73
Instrument Date	Dec 16, 2021
Instrument	2014069488
Transaction Type	Transfer
Record Updated	Jul 11, 2023

Transaction

Amount	Amount Recorded
Tax	$45.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	172 WOODLARK RD, VERSAILLES, KY 40383-9174

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 MACARTHUR CT, NICHOLASVILLE, KY 40356-9168
Investor	Possibly a Property Investor

Mortgage

Document Number	2014069489
Date	Dec 21, 2021
Instrument	2014069489

Lender

Name	BP FUNDING GROUP LLC
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Dec 16, 2022

Tax Assessment & Valuation

Source: Madison County assessment roll, as of December 9, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,465.00 (-1.55%)	$155,400 (-)	$155,400 (-)
2024	$1,488.00 (-1.26%)	$155,400 (-)	$155,400 (-)
2023	$1,507.00 (+244.85%)	$155,400 (+245.33%)	$155,400 (+245.33%)
2022	$437.00	$45,000	$45,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 9 (5% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2026)
Most Recent Claim	Jun 2026 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides

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 62% of the US · above 68% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 63 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

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