Madison County property record for 218 Saddle Brook Ct, Berea, KY 40403 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Lot Size | 1.02 acres (44,431 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $359,900 (Jun 2022) |
| Tax Bill | $3,393 (2025) |
| Deeds & Mortgages | Jul 2026 Construction Loan Jun 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0085-0003-0012 |
| Primary APN | 0085-0003-0012 |
|---|---|
| Alternative APNs |
|
| Lot Area | 44,431 sqft (1.02 acres) |
|---|
| Account Number | 57916 |
|---|---|
| Street Address | 218 SADDLE BROOK CT |
| City | BEREA |
| State | KY |
| Zip | 40403-1279 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SADDLE BROOK ESTS LOT 12 |
| Legal Subdivision | SADDLE BROOK ESTS |
| Legal Lot Number | 12 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 11101 |
Source: Madison County records · APN 0085-0003-0012
Assessment roll updated December 9, 2025 · Last verified July 2026
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 | 218 SADDLE BROOK CT, BEREA, KY 40403-1279 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 01, 2026 | Deed of Trust, Mortgage · Construction Mortgage BANCORP |
| Jun 07, 2022 | Warranty Deed, Transfer · Commercial Mortgage CITIZENS GUARANTY BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 07, 2022 · Amount on Record |
| Deed Sale | Jun 07, 2022 · Amount on Record |
| Prior Sale | May 24, 2007 · Amount on Record |
| Deed Document Number | 202214095218 |
| Deed Book / Page | 824 / 255 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jul 01, 2026 |
| Property Address | 218 SADDLE BROOK CT, BEREA, KY 40403-1279 |
| Document Number | 0014359553 |
| Book / Page | 2480 / 489 |
| Instrument Date | Jun 26, 2026 |
| Instrument | 202614359553 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 218 SADDLE BROOK CT, BEREA, KY 40403-1279 |
| Document Number | 0014359553, |
|---|---|
| Date | Jul 01, 2026 |
| Book Page | 2480/489 |
| Instrument | 202614359553 |
| Name | BANCORP |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jun 29, 2027 |
| Rate | 6.53% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jun 07, 2022 |
| Property Address | 218 SADDLE BROOK CT, BEREA, KY 40403-1279 |
| Document Number | 00D824/255 |
| Book / Page | D824 / 255 |
| Map Reference | CAB 17 SL 88 |
| Instrument Date | Jun 01, 2022 |
| Instrument | 2014095218 |
| Transaction Type | Transfer |
| Record Updated | Feb 17, 2023 |
| Title Company | IMAG TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $360.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 218 SADDLE BROOK CT, BEREA, KY 40403-1279 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 218 SADDLE BROOK CT, BEREA, KY 40403-1279 |
| Document Number | 2014095219 |
|---|---|
| Date | Jun 07, 2022 |
| Instrument | 2014095219 |
| Name | CITIZENS GUARANTY BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2052 |
| Rate Type | Adjustable Rate |
|---|
Source: Madison County records · Assessment roll updated December 9, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,393.00 (-2.81%) | $359,900 (-) | $359,900 (-) |
| 2023 | $3,491.00 | $359,900 | $359,900 |
Source: FEMA National Flood Hazard Layer, Madison County (21151C), updated December 21, 2017 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211510111012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2026) |
| Most Recent Claim | Jun 2026, rainfall accumulation, Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides |
| Wildfire Risk | Low above 37% of the US · above 68% of Kentucky |
|---|---|
| Wildfire Likelihood | About 1 in 1,587 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 102 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Metronet Holdings | Fiber | 5,120 / 5,120 |
| Spectrum | Cable | 1,000 / 1,000 |
May also be available at this address: Uniti Group. Availability varies by address; speeds are provider-advertised maximums, not measured.
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