Madison County property record for 230 Elm St, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 1,904 sqft |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on File |
| Last Sale | $147,000 (Jul 2019) |
| Tax Bill | $1,895 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage Jul 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | B11A-0002-0014 |
| Primary APN | B11A-0002-0014 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,904 sqft Living Area |
| Exterior Material | Brick Veneer |
|---|---|
| Lot Area | 43,560 sqft (1 acres) |
| Account Number | 73417 |
|---|---|
| Street Address | 230 ELM ST |
| City | BEREA |
| State | KY |
| Zip | 40403-1855 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TRACT 1 & 2 (1.00 ACRE) |
| Legal Tract | 1 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 11304 |
230 Elm St is owned and occupied by an individual who bought it in July 2019.
Source: Madison County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 230 ELM ST, BEREA, KY 40403-1855 |
| 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 |
|---|---|
| Nov 4, 2020 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Jul 3, 2019 | Warranty Deed, Transfer · Conventional Mortgage US BANK NA |
| May 26, 2017 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 3, 2019 · Amount on File |
| Deed Sale | Jul 3, 2019 · Amount on File |
| Deed Document Number | 2013995014 |
| Deed Book / Page | D00775 / 623 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 230 ELM ST, BEREA, KY 40403-1855 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | M01992/660 |
|---|---|
| Date | Nov 4, 2020 |
| Book Page | M01992/660 |
| Instrument | 2014023438 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 1, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jul 3, 2019 |
| Property Address | 230 ELM ST, BEREA, KY 40403-1855 |
| Document Number | D00775/623 |
| Book / Page | D00775 / 623 |
| Map Reference | MB 12 PG 73 |
| Instrument Date | Jul 1, 2019 |
| Instrument | 2013995014 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $147.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 110 HOLLY ST, 110, BEREA, KY 40403-1617 |
| Name | Verified Name |
|---|---|
| Address | 230 ELM ST, BEREA, KY 40403-1855 |
| Document Number | 2013995015 |
|---|---|
| Date | Jul 3, 2019 |
| Instrument | 2013995015 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 230 ELM ST, BEREA, KY 40403-1855 |
| Transaction Type | Mortgage |
| Record Updated | Jan 25, 2019 |
| Name | Verified Name |
|---|
| Document Number | , 2013959175 |
|---|---|
| Date | May 26, 2017 |
| Book Page | M01744/034 |
| Instrument | 2013959175 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | May 9, 2037 |
The 2025 property tax bill for 230 Elm St was $1,895 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 | Berea Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,895.00 Additional exemption filed | $159,000 | $159,000 |
| 2023 | $1,922.00 | $147,000 | $147,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 230 Elm St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 230 Elm St is low, with a 0.04% 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 | 0.04% 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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