203 Locker St, Berea, KY 40403 Property Records

Madison County property record for 203 Locker St, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,170 sqft · built 1993
Owner	Individual Name on Record
Last Sale	$236,000 (Aug 2022)
Tax Bill	$2,225 (2025)
Deeds & Mortgages	Nov 2025 Second Mortgage Aug 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`073C-0000-0121`

Property Details

APN / Parcel Number

Primary APN	`073C-0000-0121`
Alternative APNs	`119009` `82055` `48484`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,170 sqft Living Area

Exterior

Year Built	Built 1993
Architectural Style	Split Foyer
Exterior Material	Brick Veneer
Garage Type	Basement
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	48484
Street Address	203 LOCKER ST
City	BEREA
State	KY
Zip	40403-1140
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ROSELAWN LOT 7B & 8 SEC 3 BLK E
Legal Subdivision	ROSELAWN
Legal Block	E
Legal Lot Number	8,7B
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	3
Census Block	3005
Census Tract	11202

Owner

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

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 LOCKER ST, BEREA, KY 40403-1140
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage UNIVERSITY OF KENTUCKY FCU
Aug 23, 2022	Deed, Transfer · FHA Mortgage PRIME MORTGAGE LENDING INC
Aug 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY TRUST BANK INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 23, 2022 · Amount on Record
Deed Sale	Aug 23, 2022 · Amount on Record
Prior Sale	Sep 28, 2009 · Amount on Record
Deed Document Number	2014108060
Deed Book / Page	D828 / 251
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	203 LOCKER ST, BEREA, KY 40403-1140
Transaction Type	Mortgage
Record Updated	Dec 2, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M2422/604
Date	Nov 6, 2025
Book Page	M2422/604
Instrument	2014297375

Lender

Name	UNIVERSITY OF KENTUCKY FCU
Type	Credit Union
Address	LEXINGTON, KY 40509

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2040

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Aug 23, 2022
Property Address	203 LOCKER ST, BEREA, KY 40403-1140
Document Number	00D828/251
Book / Page	D828 / 251
Map Reference	CAB 9 PG 342
Instrument Date	Aug 12, 2022
Instrument	2014108060
Transaction Type	Transfer
Record Updated	Sep 7, 2022
Title Company	NOT AVAILABLE, THE LAND GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$236.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	338 BRUSHY FORK RD, 338, BEREA, KY 40403-9060

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 LOCKER ST, BEREA, KY 40403-1140

Mortgage

Document Number	2014108061
Date	Aug 23, 2022
Instrument	2014108061

Lender

Name	PRIME MORTGAGE LENDING INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	203 LOCKER ST, BEREA, KY 40403-1140
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01967/554
Date	Aug 13, 2020
Book Page	M01967/554
Instrument	2014017984

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank
Address	PIKEVILLE, KY 41502

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2040

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	$2,225.00 (-2.8%) Additional exemption filed	$236,000 (-)	$236,000 (-)
2023	$2,289.00	$236,000	$236,000

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
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.

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	0.02% 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	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 237 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

Cell Coverage

5G (outdoors only) and 4G LTE

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