199 Layne Ct, Berea, KY 40403 Property Records

Madison County property record for 199 Layne Ct, Berea, KY 40403

Property Summary

Property Type	Other Improved
Details	3,512 sqft
Lot Size	0.385 acres (16,771 sqft)
Owner	Company Name on Record
Last Sale	$3,700,000 (Nov 2022)
Tax Bill	$2,204 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Nov 2022 Sale & Line of Credit + 2 more
Flood Zone	Zone AE (high risk)
APN	`0073-0004-0042`

Property Details

APN / Parcel Number

Primary APN	`0073-0004-0042`
Alternative APNs	`113820` `99223` `43065`

Interior

Stories	2 Stories
Building Area	3,512 sqft Total Area

Exterior

Exterior Material	Brick Veneer
Lot Area	16,771 sqft (0.385 acres)

Location & Zoning

Account Number	43065
Street Address	199 LAYNE CT
City	BEREA
State	KY
Zip	40403-1350
Property Category	Other
Property Type	Other > Other Improved
Legal Description	ROARING CREEK ESTS LOT 42A BLK I
Legal Subdivision	ROARING CREEK EST
Legal Block	I
Legal Lot Number	42A
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	3
Census Block	3014
Census Tract	11202

Owner

Source: Madison County records, as of December 8, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	5694 SCAFFOLD CANE RD, MOUNT VERNON, KY 40456-7192
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2025	Deed of Trust, Mortgage · Line of Credit CUMBERLAND VALLEY NATL BANK & TRUST CO
Nov 16, 2022	Deed, Transfer · Line of Credit WHITAKER BANK INC
Nov 4, 2020	Deed of Trust, Mortgage PEOPLES BANK & TRUST CO OF MADISON CNTY
Nov 4, 2020	Deed of Trust, Mortgage PEOPLES BANK & TRUST CO OF MADISON CNTY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 16, 2022 · Amount on Record
Deed Sale	Nov 16, 2022 · Amount on Record
Prior Sale	Jul 10, 2006
Deed Document Number	2014120172
Deed Book / Page	D831 / 647
Record Updated	Jun 8, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	199 LAYNE CT, BEREA, KY 40403-1350
Transaction Type	Mortgage
Record Updated	Oct 13, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5694 SCAFFOLD CANE RD, MOUNT VERNON, KY 40456-7192

Mortgage

Document Number	0M2412/705
Date	Sep 29, 2025
Book Page	M2412/705
Instrument	2014288308

Lender

Name	CUMBERLAND VALLEY NATL BANK & TRUST CO
Type	Bank
Address	LONDON, KY 40743

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Nov 16, 2022
Property Address	199 LAYNE CT, BEREA, KY 40403-1350
Document Number	00D831/647
Book / Page	D831 / 647
Map Reference	CAB P23 SL 45
Instrument Date	Nov 15, 2022
Instrument	2014120172
Transaction Type	Transfer
Record Updated	Nov 25, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,700.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 506, BEREA, KY 40403-0506

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5694 SCAFFOLD CANE RD, MOUNT VERNON, KY 40456-7192

Mortgage

Document Number	2014120174
Date	Nov 16, 2022
Instrument	2014120174

Lender

Name	WHITAKER BANK INC
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Nov 15, 2032

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	199 LAYNE CT, BEREA, KY 40403-1350
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01992/788
Date	Nov 4, 2020
Book Page	M01992/788
Instrument	2014023501

Lender

Name	PEOPLES BANK & TRUST CO OF MADISON CNTY
Type	Bank
Address	BEREA, KY 40403

Agreement

Amount	Amount Recorded
Term	84 Months
Due	Nov 3, 2027

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	199 LAYNE CT, BEREA, KY 40403-1350
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01992/779
Date	Nov 4, 2020
Book Page	M01992/779
Instrument	2014023500

Lender

Name	PEOPLES BANK & TRUST CO OF MADISON CNTY
Type	Bank
Address	BEREA, KY 40403

Agreement

Amount	Amount Recorded
Term	84 Months
Due	Nov 3, 2027

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	Madison County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,204.00 (-2.78%) Additional exemption filed	$233,800 (-)	$233,800 (-)
2023	$2,267.00	$233,800	$233,800

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	10 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	Indirect within 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	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 126 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 · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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