Madison County property record for 226 Terri Ave, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,065 sqft |
| Lot Size | 3.16 acres (137,650 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $304,000 (Jan 2024) |
| Tax Bill | $4,403 (2025) |
| Deeds & Mortgages | Jan 2024 Line of Credit Feb 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | B11A-0004-0044-A |
| Primary APN | B11A-0004-0044-A |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 3,065 sqft Living Area |
| 1st Floor Area | 2,640 sqft |
| Basement Area | 2,640 sqft |
| Finished Basement | 2,640 sqft |
| Exterior Material | Brick Veneer |
|---|---|
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 137,650 sqft (3.16 acres) |
| Garage Type | Attached |
| Garage Area | 625 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 61387 |
|---|---|
| Street Address | 226 TERRI AVE |
| City | BEREA |
| State | KY |
| Zip | 40403-1818 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TRACT 3B (3.16 ACRES) |
| Legal Subdivision | SUNCREST MEADOWS SUBDIVISION |
| Legal Tract | 3 |
| Legal Lot Number | B |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 11304 |
226 Terri Ave is owned and occupied by two individuals who bought it in January 2024.
Source: Madison County records, as of December 9, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 226 TERRI AVE, BEREA, KY 40403-1818 |
| 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.
| Date | Document |
|---|---|
| Jan 23, 2024 | Deed of Trust, Mortgage · Line of Credit CITIZENS GUARANTY BANK |
| Feb 24, 2020 | Deed, Transfer · Conventional Mortgage ARK-LA-TEX FINANCE SERVICES LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 12, 2024 · Amount on File |
| Deed Sale | Jan 12, 2024 · Amount on File |
| Prior Sale | Feb 24, 2020 · Amount on File |
| Deed Document Number | 202414186179 |
| Deed Book / Page | 847 / 700 |
| Prior Transfer Date | Feb 1, 2012 |
| Prior Transfer Doc | 00D675/105 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 226 TERRI AVE, BEREA, KY 40403-1818 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2024 |
| Name | Verified Name |
|---|---|
| Address | 226 TERRI AVE, BEREA, KY 40403-1818 |
| Document Number | 0M2279/219 |
|---|---|
| Date | Jan 23, 2024 |
| Book Page | M2279/219 |
| Instrument | 2014187335 |
| Name | CITIZENS GUARANTY BANK |
|---|---|
| Type | Bank |
| Address | BEREA, KY 40403 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jan 22, 2039 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Feb 24, 2020 |
| Property Address | 226 TERRI AVE, BEREA, KY 40403-1818 |
| Document Number | D00784/752 |
| Book / Page | D00784 / 752 |
| Map Reference | MB 11 PG 24 |
| Instrument Date | Feb 18, 2020 |
| Instrument | 2014007785 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $194.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 226 TERRI AVE, 226, BEREA, KY 40403-1818 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 226 TERRI AVE, BEREA, KY 40403-1818 |
| Document Number | 2014007786 |
|---|---|
| Date | Feb 24, 2020 |
| Instrument | 2014007786 |
| Name | ARK-LA-TEX FINANCE SERVICES LLC |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2050 |
The 2025 property tax bill for 226 Terri Ave was $4,403.
Source: Madison County assessment roll, as of December 9, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| Municipality | Berea City |
| County | Madison County |
| Unified School District | Berea Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,403.00 | $467,000 | $467,000 |
| 2023 | $2,948.00 | $304,000 | $304,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 226 Terri Ave in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 2010.
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 |
| Flood Insurance Cost | Premium on File median of 20 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 20 in force |
| Nearby Flood Claims | 8 (2010–2026) |
| Claims Outside the SFHA | 2 of 8 |
| Most Recent Claim | Jun 2026 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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 226 Terri Ave is low, with a 0.03% 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 | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
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 | BEREA MUNICIPAL UTILITIES private · serves 9,972 people · EPA ID KY0760030 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2023 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 182 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Windstream Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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