2078 Jd Cir, Berea, KY 40403 Property Records

Madison County property record for 2078 Jd Cir, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Details	1,292 sqft
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on File
Last Sale	$280,000 (Jun 2026)
Tax Bill	$2,026 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Dec 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0073-0005-0031`

Property Details

APN / Parcel Number

Primary APN	`0073-0005-0031`
Alternative APNs	`106099` `143422` `73629`

Interior

Building Area	1,292 sqft Living Area
1st Floor Area	675 sqft
Basement Area	675 sqft
Unfinished Basement	675 sqft

Exterior

Architectural Style	Split Foyer
Exterior Material	Brick
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Basement
Garage Area	567 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	73629
Street Address	2078 JD CIR
City	BEREA
State	KY
Zip	40403-9187
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BUSH BOTTOM ESTS LOT 31
Legal Subdivision	BUSH BOTTOM
Legal Lot Number	31
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	3
Census Block	3000
Census Tract	11101

Owner

Source: Madison County assessment roll, as of December 9, 2025

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 File
Mailing Address	2078 JD CIR, BEREA, KY 40403-9187
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2026	Deed, Transfer · VA Mortgage NEWREZ LLC
Dec 8, 2021	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Oct 9, 2019	Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF KENTUCKY FCU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 25, 2026 · Amount on Record
Deed Sale	Jun 25, 2026 · Amount on Record
Prior Sale	Dec 8, 2021 · Amount on Record
Deed Document Number	202614358284
Deed Book / Page	884 / 591
Record Updated	Sep 20, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Jun 25, 2026
Property Address	2078 JD CIR, BEREA, KY 40403-9187
Document Number	0014358284
Book / Page	884 / 591
Instrument Date	Jun 18, 2026
Instrument	202614358284
Transaction Type	Transfer
Record Updated	Jul 6, 2026
Title Company	LAND TITLE, LAND GROUP TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$28,280.00
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	2078 JD CIR, BEREA, KY 40403-9187

Mortgage

Document Number	0014358284,
Date	Jun 25, 2026
Book Page	2479/65
Instrument	202614358284

Lender

Name	NEWREZ LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.36%
Max Rate	-1%

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Dec 8, 2021
Property Address	2078 JD CIR, BEREA, KY 40403-9187
Document Number	00D815/345
Book / Page	D815 / 345
Map Reference	CAB 13 SL 194
Instrument Date	Dec 6, 2021
Instrument	2014067638
Transaction Type	Transfer
Record Updated	Dec 22, 2021
Title Company	SPRINGDALE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$215.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2057 TY LN # LN1, 2057, RICHMOND, KY 40475-1937

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2078 JD CIR, BEREA, KY 40403-9187

Mortgage

Document Number	2014067639
Date	Dec 8, 2021
Instrument	2014067639

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

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

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	2078 JD CIR, BEREA, KY 40403-9187
Transaction Type	Mortgage
Record Updated	Sep 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01893/161
Date	Oct 9, 2019
Book Page	M01893/161
Instrument	2014000303

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 8, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$2,026.00 (-2.78%)	$214,900 (-)	$214,900 (-)
2023	$2,084.00	$214,900	$214,900

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	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 47 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Holdings Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000

May also be available: Uniti Group.

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