2086 Jd Cir, Berea, KY 40403 Property Records

Madison County property record for 2086 Jd Cir, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Details	1,720 sqft
Lot Size	0.28 acres (12,206 sqft)
Owner	2 Individual Names on Record
Last Sale	$157,000 (Jan 2017)
Tax Bill	$2,018 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Oct 2025 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0073-0005-0033`

Property Details

APN / Parcel Number

Primary APN	`0073-0005-0033`
Alternative APNs	`115940` `79029` `45293`

Interior

Stories	1 Story
Building Area	1,720 sqft Living Area

Exterior

Exterior Material	Brick
Lot Area	12,206 sqft (0.28 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	45293
Street Address	2086 JD CIR
City	BEREA
State	KY
Zip	40403-9187
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BUSH BOTTOM ESTS LOT 33
Legal Subdivision	BUSH BOTTOM
Legal Lot Number	33
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	3
Census Block	3000
Census Tract	11101

Owner

Source: Madison County records, 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 Record
Mailing Address	2086 JD CIR, BEREA, KY 40403-9187
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2023	Deed of Trust, Mortgage · Line of Credit STOCK YARDS BANK & TRUST CO
Oct 2, 2025	Deed, Transfer UNKNOWN, FOUNDATION T&E SERIES LLC
Jan 31, 2017	Deed, Transfer · FHA Mortgage KENTUCKY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 31, 2017 · Amount on Record
Deed Sale	Jan 31, 2017 · Amount on Record
Prior Sale	May 15, 2007 · Amount on Record
Deed Document Number	20172013953770
Deed Book / Page	00740 / 647
Last Transfer Date	Oct 1, 2025
Transfer Doc	000D874/72
Record Updated	Jun 8, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	2086 JD CIR, BEREA, KY 40403-9187
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2086 JD CIR, BEREA, KY 40403-9187

Mortgage

Document Number	0M2253/718
Date	Aug 17, 2023
Book Page	M2253/718
Instrument	2014162137

Lender

Name	STOCK YARDS BANK & TRUST CO
Type	Bank
Address	32890

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Oct 2, 2025
Property Address	2086 JD CIR, BEREA, KY 40403-9187
Document Number	000D874/72
Book / Page	D874 / 72
Map Reference	MB 13 PG 194
Instrument Date	Oct 1, 2025
Instrument	2014289510
Transaction Type	Transfer
Record Updated	Jan 20, 2026
Title Company	UNKNOWN, FOUNDATION T&E SERIES LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	2086 JD CIR, BEREA, KY 40403-9187

January 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Jan 31, 2017
Property Address	2086 JD CIR, BEREA, KY 40403-9187
Document Number	D00740/647
Book / Page	D00740 / 647
Map Reference	MB13 PG194
Instrument Date	Jan 27, 2017
Instrument	2013953770
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2086 JD CIR, BEREA, KY 40403-9187

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1274 RED LICK RD, BEREA, KY 40403-8608

Mortgage

Document Number	2013953771
Date	Jan 31, 2017
Instrument	2013953771

Lender

Name	KENTUCKY BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2047

Mortgage

Document Number	M01725/751
Date	Jan 31, 2017
Book Page	M01725/751
Instrument	2013953772

Lender

Name	KENTUCKY BANK
Type	Bank
Address	PARIS, KY 40361

Agreement

Amount	Amount Recorded
Term	121 Months
Due	Feb 1, 2027

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	$2,018.00 (+22.38%)	$214,000 (+25.88%)	$214,000 (+25.88%)
2023	$1,649.00	$170,000	$170,000

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	0.05% 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 47 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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