24 Sears Ln, Berea, KY 40403 Property Records

Garrard County property record for 24 Sears Ln, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · built 1984
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on Record
Last Sale	$221,500 (Apr 2023)
Tax Bill	$2,257 (2025)
Deeds & Mortgages	Jul 2025 Mortgage Apr 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`71-17`

Property Details

APN / Parcel Number

Primary APN	`71-17`
Alternative APNs	`11500` `24410` `24832`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Brick
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Connected

Location & Zoning

Account Number	24832
Street Address	24 SEARS LN
City	BEREA
State	KY
Zip	40403-8825
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	GARRARD KY
Township / Civil Division	PAINT LICK
Census Block Group	2
Census Block	2017
Census Tract	970400

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	24 SEARS LN, BEREA, KY 40403-8825
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2025	Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK
Apr 14, 2023	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 14, 2023 · Amount on Record
Deed Sale	Apr 14, 2023 · Amount on Record
Prior Sale	Aug 1, 2022 · Amount on Record
Deed Document Number	2023175226
Deed Book / Page	320 / 685
Record Updated	Oct 29, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	24 SEARS LN, BEREA, KY 40403-8825
Transaction Type	Mortgage
Record Updated	Jan 20, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24 SEARS LN, BEREA, KY 40403-8825

Mortgage

Document Number	00M460/461
Date	Jul 29, 2025
Book Page	M460/461
Instrument	197060

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	481 Months
Due	Aug 1, 2065

April 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Apr 14, 2023
Property Address	24 SEARS LN, BEREA, KY 40403-8825
Document Number	00D320/685
Book / Page	D320 / 685
Map Reference	DB 317 PG 228
Instrument Date	Apr 7, 2023
Instrument	175226
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount Recorded
Tax	$221.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3107 COLONEL RD, RICHMOND, KY 40475-9124

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24 SEARS LN, BEREA, KY 40403-8825

Tax Assessment & Valuation

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		$231,500 (+4.51%) Land $30,000 Building $201,500	$231,500 (+4.51%) Land $30,000 Building $201,500
2025	$2,257.00 (-0.49%)	$221,500 (+2.31%) Land $25,000 Building $196,500	$221,500 (+2.31%) Land $25,000 Building $196,500
2024	$2,268.00 (+59.38%)	$216,500 (+66.54%) Land $25,000 Building $191,500	$216,500 (+66.54%) Land $25,000 Building $191,500
2023	$1,423.00	$130,000 Land $20,000 Building $110,000	$130,000 Land $20,000 Building $110,000

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
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

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

Wildfire Risk	Moderate above 40% of the US · above 70% of Kentucky
Wildfire Likelihood	0.07% 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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