Madison County property record for 203 Davis St, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,232 sqft · built 1980 |
| Lot Size | 0.266 acres (11,626 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $260,000 (May 2026) |
| Tax Bill | $1,546 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage May 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 073C-0000-0040 |
| Primary APN | 073C-0000-0040 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,232 sqft Living Area |
| 1st Floor Area | 924 sqft |
| Basement Area | 924 sqft |
| Unfinished Basement | 924 sqft |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Split Foyer |
| Exterior Material | Brick Veneer |
| Lot Area | 11,626 sqft (0.266 acres) |
| Garage Type | Basement |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Account Number | 40064 |
|---|---|
| Street Address | 203 DAVIS ST |
| City | BEREA |
| State | KY |
| Zip | 40403-1114 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ROSELAWN LOT 4 SEC 2 BLK B |
| Legal Subdivision | ROSELAWN |
| Legal Block | B |
| Legal Lot Number | 4 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 11202 |
Source: Madison County records, as of August 24, 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 | 203 DAVIS ST, BEREA, KY 40403-1114 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married |
| Date | Document |
|---|---|
| Sep 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP |
| May 18, 2026 | Warranty Deed, Transfer · FHA Mortgage GUARDIAN SAVINGS BANK |
| May 18, 2026 | Warranty Deed, Transfer · FHA Mortgage GUARDIAN SAVINGS BANK |
| May 6, 2011 | Intrafamily Transfer, Transfer · FHA Mortgage US BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 18, 2026 · Amount on Record |
| Deed Sale | May 18, 2026 · Amount on Record |
| Prior Sale | May 6, 2011 · Amount on Record |
| Deed Document Number | 202614349401 |
| Deed Book / Page | 882 / 756 |
| Prior Transfer Date | May 3, 2011 |
| Prior Transfer Doc | 00D667/096 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 203 DAVIS ST, BEREA, KY 40403-1114 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Title Company | SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING |
| Name | Verified Name |
|---|
| Document Number | M01982/512 |
|---|---|
| Date | Sep 30, 2020 |
| Book Page | M01982/512 |
| Instrument | 2014021268 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30305 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | May 18, 2026 |
| Property Address | 203 DAVIS ST, BEREA, KY 40403-1114 |
| Document Number | 0014349401 |
| Book / Page | 882 / 756 |
| Instrument Date | May 4, 2026 |
| Instrument | 2026.14349401 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2026 |
| Title Company | RAINBOW TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $26,260.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 203 DAVIS ST, BEREA, KY 40403-1114 |
| Investor | Possibly a Property Investor |
| Document Number | 0014349401, |
|---|---|
| Date | May 18, 2026 |
| Book Page | 2469/1 |
| Instrument | 2026.14349401 |
| Name | GUARDIAN SAVINGS BANK |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.46% |
|---|---|
| Max Rate | -1% |
| Document Number | 2469000021, |
|---|---|
| Date | May 18, 2026 |
| Book Page | 2469/21 |
| Name | KENTUCKY HOUSING CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 15 Months |
| Due | Jun 1, 2041 |
| Rate | 6.46% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | May 18, 2026 |
| Property Address | 203 DAVIS ST, BEREA, KY 40403-1114 |
| Document Number | 00D882/756 |
| Book / Page | 882 / 756 |
| Instrument Date | May 4, 2026 |
| Instrument | 202614349401 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2026 |
| Title Company | RAINBOW TITLE COMPANY, RAINBOW TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $26,260.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 203 DAVIS ST, BEREA, KY 40403-1114 |
| Investor | Possibly a Property Investor |
| Document Number | 0014349401, |
|---|---|
| Date | May 18, 2026 |
| Book Page | 2469/1 |
| Instrument | 202614349401 |
| Name | GUARDIAN SAVINGS BANK |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Max Rate | -1% |
|---|
| Document Number | 2469000021, |
|---|---|
| Date | May 18, 2026 |
| Book Page | 2469/21 |
| Name | KENTUCKY HOUSING CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 1, 2041 |
| Max Rate | -1% |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | May 6, 2011 |
| Property Address | 203 DAVIS ST, BEREA, KY 40403-1114 |
| Document Number | 00D667/096 |
| Book / Page | D667 / 096 |
| Map Reference | MB5 PG191 |
| Instrument Date | May 3, 2011 |
| Instrument | 459843 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Title Company | ARROW TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 621 RICHMOND RD N, BEREA, KY 40403-1063 |
| Name | Verified Name |
|---|---|
| Address | 203 DAVIS ST, BEREA, KY 40403-1114 |
| Document Number | 0000459844 |
|---|---|
| Date | May 6, 2011 |
| Instrument | 459844 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2041 |
Source: Madison County assessment roll, as of December 9, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| Municipality | Berea City |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,546.00 (+0.26%) | $164,000 (+3.14%) | $164,000 (+3.14%) |
| 2023 | $1,542.00 | $159,000 | $159,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| 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.
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 |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 284 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 |
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