235 Owsley Fork Rd, Berea, KY 40403 Property Records

Madison County property record for 235 Owsley Fork Rd, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Lot Size	2.49 acres (108,464 sqft)
Owner	Individual Name on Record
Last Sale	$223,000 (Sep 2025)
Tax Bill	$1,658 (2025)
Deeds & Mortgages	Jun 2023 Mortgage Sep 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0100-0000-0027`

Property Details

APN / Parcel Number

Primary APN	`0100-0000-0027`
Alternative APNs	`103551` `140830` `178713` `70940`

Exterior

Lot Area	108,464 sqft (2.49 acres)

Location & Zoning

Account Number	70940
Street Address	235 OWSLEY FORK RD
City	BEREA
State	KY
Zip	40403-9663
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2.49 ACRES
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	1
Census Block	1024
Census Tract	11102

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	235 OWSLEY FORK RD, BEREA, KY 40403-9663
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2023	Deed of Trust, Mortgage · Commercial Mortgage WHITAKER BANK INC
Sep 29, 2025	Warranty Deed, Transfer · FHA Mortgage NORTHPOINTE BANK
Apr 19, 2022	Deed, Transfer · Line of Credit WHITAKER BANK INC
Sep 2, 2021	Quit Claim Deed, Transfer · Line of Credit WHITAKER BANK INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2025 · Amount on Record
Deed Sale	Sep 29, 2025 · Amount on Record
Prior Sale	Apr 19, 2022 · Amount on Record
Deed Document Number	2014288457
Deed Book / Page	D873 / 647
Record Updated	Jun 8, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	235 OWSLEY FORK RD, BEREA, KY 40403-9663
Transaction Type	Mortgage
Record Updated	Oct 13, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	235 OWSLEY FORK RD, BEREA, KY 40403-9663

Mortgage

Document Number	0M2242/337
Date	Jun 23, 2023
Book Page	M2242/337
Instrument	2014152634

Lender

Name	WHITAKER BANK INC
Type	Bank
Address	LEXINGTON, KY 40555

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jul 1, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Sep 29, 2025
Property Address	235 OWSLEY FORK RD, BEREA, KY 40403-9663
Document Number	00D873/647
Book / Page	D873 / 647
Instrument Date	Sep 26, 2025
Instrument	2014288457
Transaction Type	Transfer
Record Updated	Oct 13, 2025
Title Company	SPRINGDALE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$223.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	467 CEDAR CLIFF RD, WACO, KY 40385-9559

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	235 OWSLEY FORK RD, BEREA, KY 40403-9663

Mortgage

Document Number	2014288461
Date	Sep 29, 2025
Instrument	2014288461

Lender

Name	NORTHPOINTE BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Apr 19, 2022
Property Address	235 OWSLEY FORK RD, BEREA, KY 40403-9663
Document Number	00D821/751
Book / Page	D821 / 751
Instrument Date	Apr 18, 2022
Instrument	2014087529
Transaction Type	Transfer
Record Updated	May 2, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$140.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	112 RED FOLEY RD, 112, MOUNT VERNON, KY 40456-2412

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	235 OWSIEY FORK ROAD, BEREA, KY 40403-9663

Mortgage

Document Number	2014087530
Date	Apr 19, 2022
Instrument	2014087530

Lender

Name	WHITAKER BANK INC
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 18, 2032

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MADISON KY
Recording Date	Sep 2, 2021
Property Address	235 OWSLEY FORK RD, BEREA, KY 40403-9663
Document Number	D810/727
Book / Page	D810 / 727
Instrument Date	Aug 25, 2021
Instrument	2014051384
Transaction Type	Transfer
Record Updated	Sep 28, 2021

Transaction

Amount	Amount Recorded
Tax	$54.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1001 WOODWARD AVE STE 1100, 1001, DETROIT, MI 48226-1934

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	112 RED FOLEY RD, MOUNT VERNON, KY 40456-2412

Mortgage

Document Number	2014051385
Date	Sep 2, 2021
Instrument	2014051385

Lender

Name	WHITAKER BANK INC
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Tax Assessment & Valuation

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	$1,658.00 (-1.49%) Additional exemption filed	$167,000 (-)	$167,000 (-)
2024	$1,683.00 (+26.92%)	$167,000 (+28.46%)	$167,000 (+28.46%)
2023	$1,326.00	$130,000	$130,000

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

Flood

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	9 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · above 74% of Kentucky
Wildfire Likelihood	0.1% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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