2038 Jd Cir, Berea, KY 40403 Property Records

Madison County property record for 2038 Jd Cir, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Details	2,141 sqft
Lot Size	0.336 acres (14,664 sqft)
Owner	2 Individual Names on Record
Last Sale	$289,000 (Aug 2026)
Tax Bill	$1,602 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Aug 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0073-0005-0021`

Property Details

APN / Parcel Number

Primary APN	`0073-0005-0021`
Alternative APNs	`126968` `89824` `56589`

Interior

Stories	1 Story
Building Area	2,141 sqft Living Area

Exterior

Exterior Material	Brick
Lot Area	14,664 sqft (0.336 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	56589
Street Address	2038 JD CIR
City	BEREA
State	KY
Zip	40403-9187
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BUSH BOTTOM ESTS LOT 20 & 21
Legal Subdivision	BUSH BOTTOM
Legal Lot Number	20,21
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	3
Census Block	3000
Census Tract	11101

Owner

Source: Madison County records, as of August 18, 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	2038 JD CIR, BEREA, KY 40403-9187
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2026	Deed, Transfer · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Aug 7, 2026	Deed of Trust, Mortgage · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Apr 6, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
May 1, 2023	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2026 · Amount on Record
Deed Sale	Aug 7, 2026 · Amount on Record
Deed Document Number	202614367446
Deed Book / Page	886 / 675
Record Updated	Sep 20, 2026

August 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Aug 7, 2026
Property Address	2038 JD CIR, BEREA, KY 40403-9187
Document Number	0014367446
Book / Page	886 / 675
Instrument Date	Jul 30, 2026
Instrument	202614367446
Transaction Type	Transfer
Record Updated	Aug 18, 2026
Title Company	LAND TITLE, LAND GROUP TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$29,189.00
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	Remainderman
Address	2038 JD CIR, BEREA, KY 40403-9187

Mortgage

Document Number	0014367447,
Date	Aug 7, 2026
Instrument	202614367447

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.49%
Initial Type	Fixed Rate
Max Rate	-1%

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Recording Date	Aug 7, 2026
Property Address	2038 JD CIR, BEREA, KY 40403-9187
Document Number	0014367447
Book / Page	2491 / 288
Instrument Date	Jul 30, 2026
Instrument	202614367447
Transaction Type	Mortgage
Record Updated	Aug 17, 2026
Title Company	LAND TITLE, LAND GROUP TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2952 E EL MORO AVE, MESA, AZ 85204-4734

Mortgage

Document Number	0014367447,
Date	Aug 7, 2026
Book Page	2491/288
Instrument	202614367447

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.43%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Recording Date	Apr 6, 2026
Property Address	2038 JD CIR, BEREA, KY 40403-9187
Document Number	0014336059
Book / Page	2457 / 279
Instrument Date	Mar 27, 2026
Instrument	202614336059
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2038 JD CIR, BEREA, KY 40403-9187

Mortgage

Document Number	0014336059,
Date	Apr 6, 2026
Book Page	2457/279
Instrument	202614336059

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 1, 2046

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	2038 JD CIR, BEREA, KY 40403-9187
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2038 AD CIR, BEREA, KY 40403

Mortgage

Document Number	0M2230/537
Date	May 1, 2023
Book Page	M2230/537
Instrument	2014142585

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2053

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	2038 JD CIR, BEREA, KY 40403-9187
Transaction Type	Mortgage
Record Updated	Jul 14, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2066/471
Date	Jun 23, 2021
Book Page	M2066/471
Instrument	2014042188

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2036

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	$1,602.00 (-15.73%) Homeowner's exemption	$219,000 (+11.73%)	$219,000 (+11.73%)
2023	$1,901.00	$196,000	$196,000

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	4 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 66% of the US · above 66% of Kentucky
Wildfire Likelihood	0.04% 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.

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 110 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: Windstream.

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