225 Andover Dr, Berea, KY 40403 Property Records

Madison County property record for 225 Andover Dr, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$172,000 (May 2018)
Tax Bill	$1,777 (2025)
Deeds & Mortgages	Apr 2020 Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0085-017A-0013`

Property Details

APN / Parcel Number

Primary APN	`0085-017A-0013`
Alternative APNs	`120944` `83948` `50443`

Exterior

Lot Area	43,560 sqft (1 acres)

Location & Zoning

Account Number	50443
Street Address	225 ANDOVER DR
City	BEREA
State	KY
Zip	40403-8496
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CROSSINGS LOT 13
Legal Subdivision	THE CROSSINGS
Legal Lot Number	13
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	2
Census Block	2000
Census Tract	11101

Owner

225 Andover Dr is owned and occupied by an individual who bought it in May 2018.

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

Owner of Record	Individual Name on File
Mailing Address	225 ANDOVER DR, BEREA, KY 40403-8496
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 2, 2020	Deed of Trust, Mortgage · VA Mortgage MOVEMENT MORTGAGE
May 9, 2018	Deed, Transfer · VA Mortgage SIERRA PACIFIC MORTGAGE CO INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 9, 2018 · Amount on File
Deed Sale	May 9, 2018 · Amount on File
Deed Document Number	2013975513
Deed Book / Page	D00759 / 132
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	225 ANDOVER DR, BEREA, KY 40403-8496
Transaction Type	Mortgage
Record Updated	Feb 17, 2023
Title Company	JETT TITLE, JETT TIT6LE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01929/450
Date	Apr 2, 2020
Book Page	M01929/450
Instrument	2014009760

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2050

May 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	May 9, 2018
Property Address	225 ANDOVER DR, BEREA, KY 40403-8496
Document Number	D00759/132
Book / Page	D00759 / 132
Map Reference	CAB24 SL144
Instrument Date	May 4, 2018
Instrument	2013975513
Transaction Type	Transfer
Record Updated	Feb 17, 2023
Title Company	JETT TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$172.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1720, RICHMOND, KY 40476-1720

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	225 ANDOVER DR, BEREA, KY 40403-8496

Mortgage

Document Number	2013975514
Date	May 9, 2018
Instrument	2013975514

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 225 Andover Dr was $1,777 with an additional 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	$1,777.00 Additional exemption filed	$188,500	$188,500
2023	$1,794.00	$185,000	$185,000

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

Flood

FEMA maps place 225 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 225 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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