208 Owsley Fork Rd, Berea, KY 40403 Property Records

Madison County property record for 208 Owsley Fork Rd, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Details	504 sqft
Lot Size	5.42 acres (236,531 sqft)
Owner	Individual Name on Record
Last Sale	$485,000 (May 2024)
Tax Bill	$4,353 (2025)
Deeds & Mortgages	Feb 2017 Mortgage Feb 2017 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`0100-0000-0070`

Property Details

APN / Parcel Number

Primary APN	`0100-0000-0070`
Alternative APNs	`129074` `91935` `58128`

Interior

Stories	2 Stories
Building Area	504 sqft Total Area

Exterior

Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	236,531 sqft (5.42 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	58128
Street Address	208 OWSLEY FORK RD
City	BEREA
State	KY
Zip	40403-9663
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 (5.43 ACRES)
Legal Tract	A
Legal Lot Number	1
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	1
Census Block	1035
Census Tract	11102

Owner

Source: Madison County records, as of January 19, 2026

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
Co-owner	Co-owner on Record
Mailing Address	208 OWSLEY FORK RD, BEREA, KY 40403-9663
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2017	Deed of Trust, Mortgage · Commercial Mortgage TOWN SQUARE BANK
Feb 14, 2017	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL BANK & TRUST CO
May 31, 2024	Warranty Deed, Transfer · VA Mortgage NAVY FCU
Feb 23, 2023	Warranty Deed, Transfer
Feb 23, 2023	Warranty Deed, Transfer
Apr 13, 2018	Deed, Transfer · Commercial Mortgage TOWN SQUARE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2024 · Amount on Record
Deed Sale	May 31, 2024 · Amount on Record
Prior Sale	Feb 23, 2023
Deed Document Number	2014206659
Deed Book / Page	D853 / 62
Record Updated	Jun 8, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	208 OWSLEY FORK RD, BEREA, KY 40403-9663
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01728/313
Date	Feb 16, 2017
Book Page	M01728/313
Instrument	2013954508

Lender

Name	TOWN SQUARE BANK
Type	Bank
Address	ASHLAND, KY 41105

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	50 Months
Due	Apr 7, 2021

Interest

Rate Type	Adjustable Rate

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	208 OWSLEY FORK RD, BEREA, KY 40403-9663
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01727/510
Date	Feb 14, 2017
Book Page	M01727/510
Instrument	2013954323

Lender

Name	CENTRAL BANK & TRUST CO
Type	Bank
Address	LEXINGTON, KY 40507

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2037

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	May 31, 2024
Property Address	208 OWSLEY FORK RD, BEREA, KY 40403-9663
Document Number	000D853/62
Book / Page	D853 / 62
Map Reference	CAB P26 SL 9
Instrument Date	May 24, 2024
Instrument	2014206659
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$485.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	208 OWSLEY FORK RD, BEREA, KY 40403-9663

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	208 OWSLEY FORK RD, BEREA, KY 40403-9663

Mortgage

Document Number	2014206660
Date	May 31, 2024
Instrument	2014206660

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2054

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Feb 23, 2023
Property Address	208 OWSLEY FORK RD, BEREA, KY 40403-9663
Document Number	000D835/87
Book / Page	D835 / 87
Instrument Date	Feb 15, 2023
Instrument	2014133139
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	208 OWSLEY FORK RD, BEREA, KY 40403-9663

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	208 OWSLEY FORK RD, BEREA, KY 40403-9663

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Feb 23, 2023
Property Address	208 OWSLEY FORK RD, BEREA, KY 40403-9663
Document Number	000D835/93
Book / Page	D835 / 93
Map Reference	MB 1 PG 17
Instrument Date	Feb 15, 2023
Instrument	2014133141
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	208 OWSLEY FORK RD, BEREA, KY 40403-9663

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	208 OWSLEY FORK RD, BEREA, KY 40403-9663

April 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Apr 13, 2018
Property Address	208 OWSLEY FORK RD, BEREA, KY 40403-9663
Document Number	D00758/074
Book / Page	D00758 / 074
Map Reference	CAB18 SL198
Instrument Date	Apr 9, 2018
Instrument	2013974280
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$285.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	787 MUDDY CREEK RD S, BEREA, KY 40403-8660

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2200 TATES CREEK RD, RICHMOND, KY 40475-9432

Mortgage

Document Number	2013974379
Date	Apr 13, 2018
Instrument	2013974379

Lender

Name	TOWN SQUARE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Apr 12, 2028

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	$4,353.00 (+62.61%) Homeowner's exemption	$485,000 (+83.92%)	$485,000 (+83.92%)
2023	$2,677.00	$263,700	$263,700

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 9 (5% premium discount)
Nearby Flood Policies	9 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	Moderate above 45% of the US · above 73% of Kentucky
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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