Madison County property record for 221 Oak Br Dr, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 1,867 sqft |
| Owner | Individual Name on File |
| Last Sale | $329,900 (Dec 2024) |
| Tax Bill | $3,110 (2025) |
| Deeds & Mortgages | Mar 2024 Line of Credit May 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0060-0002-0128 |
| Primary APN | 0060-0002-0128 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,867 sqft Living Area |
| Exterior Material | Brick Veneer |
|---|---|
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Account Number | 51701 |
|---|---|
| Street Address | 221 OAK BRANCH DR |
| City | BEREA |
| State | KY |
| Zip | 40403-9581 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THE OAKS LOT 128-A |
| Legal Subdivision | THE OAKS |
| Legal Lot Number | 128-A |
| Legal Unit | 2 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 11401 |
221 Oak Br Dr is owned and occupied by an individual who bought it in December 2024.
Source: Madison County records, as of December 8, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 2417 CARLISLE PL, SARASOTA, FL 34231-7013 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 28, 2024 | Deed of Trust, Mortgage · Line of Credit FIRST SOUTHERN NATIONAL BANK |
| May 14, 2020 | Warranty Deed, Transfer · FHA Mortgage BAY EQUITY LLC |
| Apr 30, 2018 | Warranty Deed, Transfer PEOPLES BANK & TRUST CO OF POINTE C |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 6, 2024 · Amount on File |
| Deed Sale | Dec 6, 2024 · Amount on File |
| Prior Sale | May 14, 2020 · Amount on File |
| Deed Document Number | 2014235814 |
| Deed Book / Page | D861 / 109 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 221 OAK BRANCH DR, BEREA, KY 40403-9581 |
| Transaction Type | Mortgage |
| Record Updated | Apr 8, 2024 |
| Name | Verified Name |
|---|---|
| Address | 221 OAK BRANCH DR, BEREA, KY 40403-9581 |
| Document Number | 00M2290/83 |
|---|---|
| Date | Mar 28, 2024 |
| Book Page | M2290/83 |
| Instrument | 2014196639 |
| Name | FIRST SOUTHERN NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | RICHMOND, KY 40475 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Mar 26, 2029 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | May 14, 2020 |
| Property Address | 221 OAK BRANCH DR, BEREA, KY 40403-9581 |
| Document Number | D00787/733 |
| Book / Page | D00787 / 733 |
| Map Reference | CAB 25 SL 203 |
| Instrument Date | May 5, 2020 |
| Instrument | 2014012001 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Title Company | EXECUTIVE TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $182.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 220 OAK BRANCH DR, 220, BEREA, KY 40403-9581 |
| Name | Verified Name |
|---|---|
| Address | 221 OAK BRANCH DR, BEREA, KY 40403-9581 |
| Document Number | 2014012002 |
|---|---|
| Date | May 14, 2020 |
| Instrument | 2014012002 |
| Name | BAY EQUITY LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Apr 30, 2018 |
| Property Address | 221 OAK BRANCH DR, BEREA, KY 40403-9581 |
| Document Number | D00758/529 |
| Book / Page | D00758 / 529 |
| Map Reference | CAB25 SL205 |
| Instrument Date | Apr 24, 2018 |
| Instrument | 2013975000 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $170.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 15150 BLANO RD102, 15150, SAN ANTONIO, TX 78232 |
| Name | Verified Name |
|---|---|
| Address | 544 GENERAL CRUFT DR, RICHMOND, KY 40475-7520 |
| Document Number | 2013975001 |
|---|---|
| Date | Apr 30, 2018 |
| Instrument | 2013975001 |
| Name | PEOPLES BANK & TRUST CO OF POINTE C |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|
The 2025 property tax bill for 221 Oak Br Dr was $3,110 with an additional exemption.
Source: Madison County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| Municipality | Berea City |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,110.00 Additional exemption filed | $329,900 | $329,900 |
| 2023 | $1,770.00 | $182,500 | $182,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 221 Oak Br Dr in Zone X, an area of minimal flood risk.
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 | 3 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 risk around 221 Oak Br Dr is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.02% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 218 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 |
| Verizon Fixed Wireless | 300 / 20 |
| Windstream DSL | 200 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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