Madison County property record for 244 Smith Ln, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Lot Size | 1.01 acres (44,190 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $160,000 (Feb 2023) |
| Tax Bill | $1,508 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Mar 2024 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0085-0000-0039-B |
| Primary APN | 0085-0000-0039-B |
|---|---|
| Alternative APNs |
|
| Lot Area | 44,190 sqft (1.01 acres) |
|---|
| Account Number | 69558 |
|---|---|
| Street Address | 244 SMITH LN |
| City | BEREA |
| State | KY |
| Zip | 40403-8709 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DESC |
| Legal Subdivision | SMITH LANE |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 11101 |
Source: Madison County records, as of July 27, 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 | 240 SMITH LN, BEREA, KY 40403-8709 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 14, 2026 | Deed of Trust, Mortgage · Line of Credit CUMBERLAND VALLEY NATIONAL BANK |
| Mar 5, 2024 | Deed of Trust, Mortgage · Line of Credit CUMBERLAND VALLEY NATL BANK & TRUST CO |
| Feb 28, 2023 | Warranty Deed, Transfer |
| Sep 1, 2017 | Deed of Trust, Mortgage CENTRAL KENTUCKY AG CREDIT ASSN |
| Jun 1, 2020 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Jul 2, 2020 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 28, 2023 · Amount on Record |
| Deed Sale | Feb 28, 2023 · Amount on Record |
| Deed Document Number | 202314133824 |
| Deed Book / Page | 835 / 203 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jul 14, 2026 |
| Property Address | 244 SMITH LN, BEREA, KY 40403-8709 |
| Document Number | 0014362220 |
| Book / Page | 2484 / 545 |
| Instrument Date | Jul 10, 2026 |
| Instrument | 202614362220 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 240 SMITH LN, BEREA, KY 40403-8709 |
| Document Number | 0014362220, |
|---|---|
| Date | Jul 14, 2026 |
| Book Page | 2484/545 |
| Instrument | 202614362220 |
| Name | CUMBERLAND VALLEY NATIONAL BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.52% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 244 SMITH LN, BEREA, KY 40403-8709 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2024 |
| Name | Verified Name |
|---|---|
| Address | 240 SMITH LN, BEREA, KY 40403-8709 |
| Document Number | 00M2286/17 |
|---|---|
| Date | Mar 5, 2024 |
| Book Page | M2286/17 |
| Instrument | 2014193130 |
| Name | CUMBERLAND VALLEY NATL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LONDON, KY 40743 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Feb 28, 2023 |
| Property Address | 244 SMITH LN, BEREA, KY 40403-8709 |
| Document Number | 00D835/203 |
| Book / Page | D835 / 203 |
| Instrument Date | Feb 24, 2023 |
| Instrument | 2014133824 |
| Transaction Type | Transfer |
| Record Updated | Mar 24, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $160.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 244 SMITH LN, BEREA, KY 40403-8709 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 240 SMITH LN, BEREA, KY 40403-8709 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 244 SMITH LN, BEREA, KY 40403-8709 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | M01762/684 |
|---|---|
| Date | Sep 1, 2017 |
| Book Page | M01762/684 |
| Instrument | 2013964304 |
| Name | CENTRAL KENTUCKY AG CREDIT ASSN |
|---|---|
| Type | Lending Institution |
| Address | 00000 |
| Amount | Amount Recorded |
|---|---|
| Term | 228 Months |
| Due | Sep 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 244 SMITH LN, BEREA, KY 40403-8709 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | M01944/203 |
|---|---|
| Date | Jun 1, 2020 |
| Book Page | M01944/203 |
| Instrument | 2014013042 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42304 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | May 13, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 244 SMITH LN, BEREA, KY 40403-8709 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | M01954/572 |
|---|---|
| Date | Jul 2, 2020 |
| Book Page | M01954/572 |
| Instrument | 2014015014 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jun 1, 2050 |
Source: Madison County assessment roll, as of December 9, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,508.00 (+220.17%) | $160,000 (+68.42%) | $160,000 (+68.42%) |
| 2023 | $471.00 Homeowner's exemption | $95,000 | $95,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 1 in force |
| Nearby Flood Claims | 1 (2026) |
| Most Recent Claim | Jun 2026 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · above 67% 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.
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 44 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 |
| Windstream DSL | 200 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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