2046 Jd Cir, Berea, KY 40403 Property Records

Madison County property record for 2046 Jd Cir, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Details	1,635 sqft
Owner	Individual Name on Record
Last Sale	$270,000 (Feb 2025)
Tax Bill	$2,225 (2025)
Deeds & Mortgages	Sep 2005 Mortgage Feb 2025 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0073-0005-0023`

Property Details

APN / Parcel Number

Primary APN	`0073-0005-0023`
Alternative APNs	`122171` `85142` `67838`

Interior

Stories	2 Stories
Building Area	1,635 sqft Living Area

Exterior

Exterior Material	Brick Veneer
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	67838
Street Address	2046 JD CIR
City	BEREA
State	KY
Zip	40403-9187
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BUSH BOTTOM ESTS LOT 23
Legal Subdivision	BUSH BOTTOM
Legal Lot Number	23
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	3
Census Block	3000
Census Tract	11101

Owner

Source: Madison County records, as of January 26, 2026

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	Individual Name on Record
Mailing Address	2046 JD CIR, BEREA, KY 40403-9187
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2005	Deed of Trust, Mortgage · Conventional Mortgage PARK COMMUNITY FCU
Feb 24, 2025	Warranty Deed, Transfer · USDA Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Feb 14, 2022	Warranty Deed, Transfer · USDA Mortgage USDA
Sep 8, 2021	Deed, Transfer · Commercial Mortgage COMMUNITY TRUST BANK
Jul 2, 2007	Warranty Deed, Transfer · USDA Mortgage USDA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 24, 2025 · Amount on Record
Deed Sale	Feb 24, 2025 · Amount on Record
Prior Sale	Feb 14, 2022 · Amount on Record
Deed Document Number	2014247428
Deed Book / Page	D864 / 272
Record Updated	Jun 8, 2026

September 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	2046 JD CIR, BEREA, KY 40403-9187
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1049/451
Date	Sep 19, 2005
Book Page	M1049/451
Instrument	353362

Lender

Name	PARK COMMUNITY FCU
Type	Credit Union
Address	LOUISVILLE, KY 40228

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2035

February 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Feb 24, 2025
Property Address	2046 JD CIR, BEREA, KY 40403-9187
Document Number	00D864/272
Book / Page	D864 / 272
Map Reference	MB 13 PG 194
Instrument Date	Feb 19, 2025
Instrument	2014247428
Transaction Type	Transfer
Record Updated	Dec 9, 2025
Title Company	TREY TITLE LLC, TRUE TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$270.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3673 GOLF COURSE VW # VW14201, VW14201, COLORADO SPRINGS, CO 80922-3218

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2046 JD CIR, BEREA, KY 40403-9187
Investor	Possibly a Property Investor

Mortgage

Document Number	2014247429
Date	Feb 24, 2025
Instrument	2014247429

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2055

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Feb 14, 2022
Property Address	2046 JD CIR, BEREA, KY 40403-9187
Document Number	00D818/430
Book / Page	D818 / 430
Map Reference	MB 13 PG 194
Instrument Date	Feb 8, 2022
Instrument	2014077194
Transaction Type	Transfer
Record Updated	Mar 7, 2023
Title Company	KENTUCKY LAND TITLE, KENTUCKY MTN LAND TITLE

Transaction

Amount	Amount Recorded
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	2046 JD CIR, BEREA, KY 40403-9187

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2046 JD CIR, BEREA, KY 40403-9187

Mortgage

Document Number	2014077195
Date	Feb 14, 2022
Instrument	2014077195

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	396 Months
Due	Feb 8, 2055

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Sep 8, 2021
Property Address	2046 JD CIR, BEREA, KY 40403-9187
Document Number	000D811/94
Book / Page	D811 / 94
Map Reference	MB 13 PG 194
Instrument Date	Aug 27, 2021
Instrument	2014051994
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$150.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	378 OPOSSUM KINGDOM RD, BEREA, KY 40403-9514

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 HIGHWAY 3091, SOMERSET, KY 42503-5744

Mortgage

Document Number	2014051995
Date	Sep 8, 2021
Instrument	2014051995

Lender

Name	COMMUNITY TRUST BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	11 Months
Due	Aug 27, 2022

July 2007: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Jul 2, 2007
Property Address	2046 JD CIR, BEREA, KY 40403-9187
Document Number	0D0623/255
Book / Page	D0623 / 255
Map Reference	MB13 PG194
Instrument Date	Jun 26, 2007
Instrument	391601
Transaction Type	Transfer
Record Updated	Jan 28, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$146.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2801 BRITTANY CT, EVANSVILLE, IN 47710-3007

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2046 JD CIR, BEREA, KY 40403-9187

Mortgage

Document Number	0000391602
Date	Jul 2, 2007
Instrument	391602

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	455 Months
Due	Jun 26, 2045

Tax Assessment & Valuation

Source: Madison County assessment roll, as of April 1, 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	$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
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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