Madison County property record for 227 Oak Br Dr, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Owner | Individual Name on File |
| Last Sale | $273,200 (Feb 2023) |
| Tax Bill | $2,576 (2025) |
| Deeds & Mortgages | Feb 2023 Sale & Mortgage Jul 2022 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0060-0002-0131 |
| Primary APN | 0060-0002-0131 |
|---|---|
| Alternative APNs |
|
| Account Number | 57578 |
|---|---|
| Street Address | 227 OAK BRANCH DR |
| City | BEREA |
| State | KY |
| Zip | 40403-9581 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THE OAKS LOT 131 UNIT 2 |
| Legal Subdivision | THE OAKS |
| Legal Lot Number | 131 |
| Legal Unit | 2 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 11401 |
227 Oak Br Dr is owned and occupied by an individual who bought it in February 2023.
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 |
|---|---|
| Mailing Address | 227 OAK BRANCH DR, BEREA, KY 40403-9581 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 23, 2023 | Warranty Deed, Subdivision Related Transfer · ARM GUARDIAN SAVINGS BANK |
| Jul 26, 2022 | Warranty Deed, Transfer |
| Apr 26, 2022 | Warranty Deed, Transfer KENTUCKY MOUNTAIN LAND TITLE INC, KENTUCKY MOUNTAIN LAND TTL I |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 23, 2023 · Amount on File |
| Deed Sale | Feb 23, 2023 · Amount on File |
| Prior Sale | Jul 26, 2022 |
| Deed Document Number | 2014133213 |
| Deed Book / Page | D835 / 105 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Feb 23, 2023 |
| Property Address | 227 OAK BRANCH DR, BEREA, KY 40403-9581 |
| Document Number | 00D835/105 |
| Book / Page | D835 / 105 |
| Map Reference | CAB 21 SL 218 |
| Instrument Date | Feb 17, 2023 |
| Instrument | 2014133213 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Mar 10, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $273.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5668 SCAFFOLD CANE RD, MOUNT VERNON, KY 40456-7192 |
| Name | Verified Name |
|---|---|
| Address | 227 OAK BRANCH DR, BEREA, KY 40403-9581 |
| Document Number | 2014133214 |
|---|---|
| Date | Feb 23, 2023 |
| Instrument | 2014133214 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.25% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Mar 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 7.25% |
| Index | 1-Year CMT |
| Max Rate | 11.2% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jul 26, 2022 |
| Property Address | 227 OAK BRANCH DR, BEREA, KY 40403-9581 |
| Document Number | 00D826/652 |
| Book / Page | D826 / 652 |
| Map Reference | CAB 21 SL 218 |
| Instrument Date | Jul 20, 2022 |
| Instrument | 2014103064 |
| Transaction Type | Transfer |
| Record Updated | Mar 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 229 OAK BRANCH DR, BEREA, KY 40403-9581 |
| Name | Verified Name |
|---|---|
| Address | 5668 SCAFFOLD CANE RD, MOUNT VERNON, KY 40456-7192 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Apr 26, 2022 |
| Property Address | 227 OAK BRANCH DR, BEREA, KY 40403-9581 |
| Document Number | 00D822/273 |
| Book / Page | D822 / 273 |
| Map Reference | CAB 21 SL 218 |
| Instrument Date | Apr 22, 2022 |
| Instrument | 2014088800 |
| Transaction Type | Transfer |
| Record Updated | Mar 7, 2023 |
| Title Company | KENTUCKY MOUNTAIN LAND TITLE INC, KENTUCKY MOUNTAIN LAND TTL I |
| Amount | Amount on Record |
|---|---|
| Tax | $347.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3147 SW ARLAN LN, ANKENY, IA 50023-6826 |
| Name | Verified Name |
|---|---|
| Address | 229 OAK BRANCH DR, BEREA, KY 40403-9581 |
The 2025 property tax bill for 227 Oak Br Dr was $2,576 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 | $2,576.00 Additional exemption filed | $273,200 | $273,200 |
| 2023 | $2,650.00 | $273,200 | $273,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 227 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 227 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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