Madison County property record for 204 Ballard Rd, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · 1,800 sqft |
| Owner | Individual Name on File |
| Last Sale | $64,500 (Mar 1998) |
| Tax Bill | $1,584 (2025) |
| Deeds & Mortgages | Apr 2022 Line of Credit Apr 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0059-0002-0015 |
| Primary APN | 0059-0002-0015 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,800 sqft Living Area |
| Exterior Material | Brick |
|---|---|
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Porch | Porch |
| Porch Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 49895 |
|---|---|
| Street Address | 204 BALLARD RD |
| City | BEREA |
| State | KY |
| Zip | 40403-9793 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WELCHWOOD ESTS LOT 13 PH 1 SEC 1 |
| Legal Subdivision | WELCHWOOD |
| Legal Phase | 1 |
| Legal Lot Number | 13 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 11402 |
204 Ballard Rd is owned and occupied by an individual who bought it in March 1998.
Source: Madison County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 204 BALLARD RD, BEREA, KY 40403-9793 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 8, 2022 | Deed of Trust, Mortgage · Line of Credit WHITAKER BANK INC |
| Apr 16, 2020 | Deed of Trust, Mortgage · Conventional Mortgage STOCKTON MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 16, 1998 · Amount on File |
| Deed Sale | Mar 16, 1998 · Amount on File |
| Deed Document Number | 0000726510 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 204 BALLARD RD, BEREA, KY 40403-9793 |
| Transaction Type | Mortgage |
| Record Updated | Apr 25, 2022 |
| Name | Verified Name |
|---|---|
| Address | 204 BALLARD RD, BEREA, KY 40403-9793 |
| Document Number | 00M2150/18 |
|---|---|
| Date | Apr 8, 2022 |
| Book Page | M2150/18 |
| Instrument | 2014085793 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Address | BEREA, KY 40403 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Apr 7, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 204 BALLARD RD, BEREA, KY 40403-9793 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CLEAR T |
| Name | Verified Name |
|---|
| Document Number | M01932/727 |
|---|---|
| Date | Apr 16, 2020 |
| Book Page | M01932/727 |
| Instrument | 2014010450 |
| Name | STOCKTON MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | FRANKFORT, KY 40601 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
The 2025 property tax bill for 204 Ballard Rd was $1,584 with an additional exemption.
Source: Madison County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,584.00 Additional exemption filed | $168,000 | $168,000 |
| 2023 | $1,600.00 | $165,000 | $165,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 204 Ballard Rd in Zone X, an area of minimal flood risk.
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 |
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 risk around 204 Ballard Rd is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · above 67% 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.
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 |
| Also Mapped Here | KIRKSVILLE WATER ASSOCIATION |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 76 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 |
| Verizon Fixed Wireless | 300 / 20 |
| Windstream DSL | 200 / 20 |
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