2390 Gabbard Rd, Berea, KY 40403 Property Records

Garrard County property record for 2390 Gabbard Rd, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Lot Size	3.01 acres (131,116 sqft)
Owner	Individual Name on File
Tax Bill	$926 (2025)
Deeds & Mortgages	Apr 2005 Mortgage Apr 2005 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`71-36.26`

Property Details

APN / Parcel Number

Primary APN	`71-36.26`
Alternative APN	`23927`

Exterior

Lot Area	131,116 sqft (3.01 acres)

Location & Zoning

Account Number	23927
Street Address	2390 GABBARD RD
City	BEREA
State	KY
Zip	40403-8978
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HSE & TRACT 2-A 3.01 AC
Legal Tract	2
Jurisdiction	GARRARD KY
Township / Civil Division	PAINT LICK
Census Block Group	2
Census Block	2017
Census Tract	970400

Owner

2390 Gabbard Rd is owned and occupied by an individual.

Source: Garrard County records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	2390 GABBARD RD, BEREA, KY 40403-8978
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 23, 2005	Deed of Trust, Mortgage · Conventional Mortgage L & N FEDERAL CREDIT UNION
Apr 23, 2005	Deed of Trust, Mortgage · Line of Credit L&N FEDERAL CREDIT UNION
Mar 2, 2022	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

April 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	2390 GABBARD RD, BEREA, KY 40403-8978
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M241/789
Date	Apr 23, 2005
Book Page	M241/789
Instrument	60977

Lender

Name	L & N FEDERAL CREDIT UNION
Address	LOUISVILLE, KY 40229

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2035

April 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	2390 GABBARD RD, BEREA, KY 40403-8978
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M241/805
Date	Apr 23, 2005
Book Page	M241/805
Instrument	60978

Lender

Name	L&N FEDERAL CREDIT UNION
Address	LOUISVILLE, KY 40214

Agreement

Type	Line of Credit
Amount	Amount on Record

March 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Mar 2, 2022
Property Address	2390 GABBARD RD, BEREA, KY 40403-8978
Document Number	00D314/522
Book / Page	D314 / 522
Map Reference	DB 306 PG 700
Instrument Date	Feb 28, 2022
Instrument	167958
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount on Record
Tax	$140.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2224 GABBARD RD, BEREA, KY 40403-8977

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2390 GABBARD RD, BEREA, KY 40403-8978

Tax Assessment & Valuation

The 2025 property tax bill for 2390 Gabbard Rd was $926 with a homeowner's exemption, down 35.4% from the year before.

Source: Garrard County assessment roll, as of May 5, 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Garrard County
Unified School District	Garrard County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$175,000 (+25%) Land $40,000 Building $135,000	$175,000 (+25%) Land $40,000 Building $135,000
2025	$926.00 (-35.43%)	$140,000 (-) Land $40,000 Building $100,000	$140,000 (-) Land $40,000 Building $100,000
2024	$1,434.00 (-2.85%)	$140,000 (-) Land $40,000 Building $100,000	$140,000 (-) Land $40,000 Building $100,000
2023	$1,476.00	$140,000 (-) Land $40,000 Building $100,000	$140,000 (-) Land $40,000 Building $100,000
2022		$140,000 Land $40,000 Building $100,000	$140,000 Land $40,000 Building $100,000

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

Flood

FEMA maps place 2390 Gabbard Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1991.

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
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1991–2010)
Claims Outside the SFHA	1 of 2
Most Recent Claim	May 2010 · Severe Storms, Flooding, Mudslides, And Tornadoes

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 2390 Gabbard Rd 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 62% of the US · above 68% 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	WESTERN ROCKCASTLE WATER ASSOC private · serves 12,623 people · EPA ID KY1020891
Water Source	Purchased surface water from several systems
Last State Inspection	Aug 2025
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	200 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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