221 Andover Dr, Berea, KY 40403 Property Records

Madison County property record for 221 Andover Dr, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Lot Size	1 acres (43,560 sqft)
Owner	Company Name on File
Last Sale	$225,000 (Sep 2021)
Tax Bill	$1,658 (2025)
Deeds & Mortgages	Jan 2017 Construction Loan Sep 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0085-017A-0012`

Property Details

APN / Parcel Number

Primary APN	`0085-017A-0012`
Alternative APNs	`113223` `76335` `42425`

Exterior

Lot Area	43,560 sqft (1 acres)

Location & Zoning

Account Number	42425
Street Address	221 ANDOVER DR
City	BEREA
State	KY
Zip	40403-8496
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CROSSINGS LOT 12
Legal Subdivision	THE CROSSINGS
Legal Lot Number	12
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	2
Census Block	2000
Census Tract	11101

Owner

221 Andover Dr is owned by a company that bought it in September 2021 and is owner-occupied.

Source: Madison County records, as of December 8, 2025

Owner of Record	Company Name on File
Mailing Address	221 ANDOVER DR, BEREA, KY 40403-8496
Occupancy	Owner Occupied
Owner Type	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2017	Deed of Trust, Mortgage · Construction Mortgage CITIZENS GUARANTY BANK
Sep 8, 2021	Deed, Transfer · Conventional Mortgage SOFI LENDING CORP
Mar 28, 2017	Deed, Transfer · FHA Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 8, 2021 · Amount on File
Deed Sale	Sep 8, 2021 · Amount on File
Prior Sale	Mar 28, 2017 · Amount on File
Deed Document Number	2014051966
Deed Book / Page	D811 / 63
Record Updated	Jun 8, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	221 ANDOVER DR, BEREA, KY 40403-8496
Transaction Type	Mortgage
Record Updated	Feb 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0M1722/560
Date	Jan 6, 2017
Book Page	M1722/560
Instrument	952719

Lender

Name	CITIZENS GUARANTY BANK
Type	Bank
Address	RICHMOND, KY 40476

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jan 4, 2018

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Sep 8, 2021
Property Address	221 ANDOVER DR, BEREA, KY 40403-8496
Document Number	000D811/63
Book / Page	D811 / 63
Map Reference	CAB 24 SL 7
Instrument Date	Sep 3, 2021
Instrument	2014051966
Transaction Type	Transfer
Record Updated	Feb 17, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$225.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1104 E 9TH AVE, JOHNSON CITY, TN 37601-3400

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 ANDOVER DR, BEREA, KY 40403-8496

Mortgage

Document Number	0M2090/784
Date	Sep 10, 2021
Book Page	M2090/784
Instrument	2014052503

Lender

Name	SOFI LENDING CORP
Type	Lending Institution
Address	LEWISVILLE, TX 75067

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	169 Months
Due	Oct 1, 2035

March 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Mar 28, 2017
Property Address	221 ANDOVER DR, BEREA, KY 40403-8496
Document Number	D00742/672
Book / Page	D00742 / 672
Map Reference	CAB24 SL7
Instrument Date	Mar 24, 2017
Instrument	2013956368
Transaction Type	Transfer
Record Updated	Feb 17, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$165.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	80 TWIN LAKES DR, RICHMOND, KY 40475-8051

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 ANDOVER DR, BEREA, KY 40403-8496

Mortgage

Document Number	2013956369
Date	Mar 28, 2017
Instrument	2013956369

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 221 Andover Dr was $1,658 with a homeowner's exemption.

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	$1,658.00 Homeowner's exemption	$225,000	$225,000
2023	$2,182.00	$225,000	$225,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 221 Andover Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2026.

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	1 in force
Nearby Flood Claims	1 (2026)
Most Recent Claim	Jun 2026 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides

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

Wildfire risk around 221 Andover Dr is low, with a 0.06% annual chance of 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	0.06% 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	MADISON CO UTILITIES DISTRICT serves 25,120 people · EPA ID KY0760224
Water Source	Purchased surface water from RICHMOND UTILITIES
Last State Inspection	Nov 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Jun 2019
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 102 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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