215 Ballard Rd, Berea, KY 40403 Property Records

Madison County property record for 215 Ballard Rd, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Details	3,030 sqft
Lot Size	1.08 acres (47,045 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,480 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0059-0000-0001-D`

Property Details

APN / Parcel Number

Primary APN	`0059-0000-0001-D`
Alternative APNs	`128674` `91537` `58347`

Interior

Stories	2 Stories
Building Area	3,030 sqft Living Area
1st Floor Area	765 sqft
Basement Area	765 sqft
Finished Basement	765 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Brick
Construction Type	Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	47,045 sqft (1.08 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	615 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	58347
Street Address	215 BALLARD RD
City	BEREA
State	KY
Zip	40403-9793
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.08 ACRES
Legal Subdivision	CLAY MARTIN LAKE AND MELINDA LAKE
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	1
Census Block	1000
Census Tract	11402

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	215 BALLARD RD, BEREA, KY 40403-9793
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2021	Deed of Trust, Mortgage · Commercial Mortgage RENASANT BANK
Dec 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage PARK COMMUNITY FCU
May 3, 2019	Deed of Trust, Mortgage · Line of Credit PARK COMMUNITY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Mar 30, 2005
Transfer Doc	0D0587/764
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	215 BALLARD RD, BEREA, KY 40403-9793
Transaction Type	Mortgage
Record Updated	Mar 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2023/472
Date	Feb 22, 2021
Book Page	M2023/472
Instrument	2014029625

Lender

Name	RENASANT BANK
Type	Bank
Address	KOSCIUSKO, MS 39090

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	52 Months
Due	Jun 15, 2025

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	215 BALLARD RD, BEREA, KY 40403-9793
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M02000/180
Date	Dec 1, 2020
Book Page	M02000/180
Instrument	2014025044

Lender

Name	PARK COMMUNITY FCU
Type	Credit Union
Address	LOUISVILLE, KY 40299

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	215 BALLARD RD, BEREA, KY 40403-9793
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01861/320
Date	May 3, 2019
Book Page	M01861/320
Instrument	2013991950

Lender

Name	PARK COMMUNITY FCU
Type	Credit Union
Address	LOUISVILLE, KY 40299

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Apr 25, 2049

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	$2,480.00 (-2.78%)	$263,000 (-)	$263,000 (-)
2023	$2,551.00	$263,000	$263,000

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 63% of the US · above 67% of Kentucky
Wildfire Likelihood	0.05% 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	KIRKSVILLE WATER ASSOCIATION private · serves 5,940 people · EPA ID KY0760672
Water Source	Purchased surface water from RICHMOND UTILITIES
Last State Inspection	Nov 2024
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 35 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
Windstream DSL	100 / 20

May also be available: Verizon.

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