Garrard County property record for 2456 Gabbard Rd, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Lot Size | 2.06 acres (89,995 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $912 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 71-36.08 |
| Primary APN | 71-36.08 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|
| Exterior Material | Vinyl |
|---|---|
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 89,995 sqft (2.06 acres) |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 4628 |
|---|---|
| Street Address | 2456 GABBARD RD |
| City | BEREA |
| State | KY |
| Zip | 40403-8979 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2.066 AC & DWELLING |
| Legal Subdivision | CUMMINS EST |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | PAINT LICK |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 970400 |
2456 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 | 2456 GABBARD RD, BEREA, KY 40403-8979 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Property Address | 2456 GABBARD RD, BEREA, KY 40403-8979 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 2456 GABBARD RD, BEREA, KY 40403-8979 |
| Document Number | 00M469/326 |
|---|---|
| Date | Mar 17, 2026 |
| Book Page | M469/326 |
| Instrument | 212174 |
| Name | NEW AMERICAN FUNDING |
|---|---|
| Type | Lending Institution |
| Address | SANTA ANA, CA 92707 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.87% |
| Type Change Date | Jul 1, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 3.87% |
| Max Rate At Change | 5.87% |
| Index | 1-Year CMT |
| Margin | 2 |
| Max Rate | 5% |
The 2025 property tax bill for 2456 Gabbard Rd was $912, down 0.4% from the year before.
Source: Garrard County assessment roll, as of May 5, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Garrard County |
| Unified School District | Garrard County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $125,000 (+39.66%) Land $30,000 Building $95,000 | $125,000 (+39.66%) Land $30,000 Building $95,000 | |
| 2025 | $912.00 (-0.44%) | $89,500 (-) Land $6,500 Building $83,000 | $89,500 (-) Land $6,500 Building $83,000 |
| 2024 | $916.00 (-2.86%) | $89,500 (-) Land $6,500 Building $83,000 | $89,500 (-) Land $6,500 Building $83,000 |
| 2023 | $943.00 (-0.95%) | $89,500 (-) Land $6,500 Building $83,000 | $89,500 (-) Land $6,500 Building $83,000 |
| 2022 | $952.00 | $89,500 Land $6,500 Building $83,000 | $89,500 Land $6,500 Building $83,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2456 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 risk around 2456 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.
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 |
| 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 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Windstream DSL | 200 / 20 |
5G and 4G LTE (outdoors only)
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