Madison County property record for 246 Terri Ave, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Lot Size | 3.04 acres (132,422 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $249,000 (Feb 2022) |
| Tax Bill | $471 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage May 2023 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | B11A-0004-0044-B |
| Primary APN | B11A-0004-0044-B |
|---|---|
| Alternative APNs |
|
| Lot Area | 132,422 sqft (3.04 acres) |
|---|
| Account Number | 61388 |
|---|---|
| Street Address | 246 TERRI AVE |
| City | BEREA |
| State | KY |
| Zip | 40403-1818 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TRACT 3-A (3.04 ACRES) |
| Legal Subdivision | MINOR SUBDIVISION |
| Legal Tract | 3 |
| Legal Lot Number | 3-A |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 11304 |
Source: Madison County records, as of August 28, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 226 TERRI AVE, BEREA, KY 40403-1818 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 17, 2026 | Deed of Trust, Mortgage · Conventional Mortgage WHITAKER BANK INC |
| May 19, 2023 | Deed of Trust, Mortgage · Line of Credit WHITAKER BANK INC |
| Feb 14, 2018 | Deed of Trust, Mortgage PEOPLES BANK & TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 16, 2022 · Amount on Record |
| Deed Sale | Feb 16, 2022 · Amount on Record |
| Deed Document Number | 202277689 |
| Deed Book / Page | 818 / 536 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Aug 17, 2026 |
| Property Address | 246 TERRI AVE, BEREA, KY 40403-1818 |
| Document Number | 0014368947 |
| Book / Page | 2493 / 393 |
| Instrument Date | Jun 12, 2026 |
| Instrument | 202614368947 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 226 TERRI AVE, BEREA, KY 40403-1818 |
| Document Number | 0014368947, |
|---|---|
| Date | Aug 17, 2026 |
| Book Page | 2493/393 |
| Instrument | 202614368947 |
| Name | WHITAKER BANK INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 118 Months |
| Due | Jun 12, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 246 TERRI AVE, BEREA, KY 40403-1818 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2023 |
| Name | Verified Name |
|---|---|
| Address | 226 TERRI AVE, BEREA, KY 40403-1818 |
| Document Number | 0M2235/144 |
|---|---|
| Date | May 19, 2023 |
| Book Page | M2235/144 |
| Instrument | 2014146108 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40555 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | May 17, 2024 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 246 TERRI AVE, BEREA, KY 40403-1818 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | M01788/269 |
|---|---|
| Date | Feb 14, 2018 |
| Book Page | M01788/269 |
| Instrument | 2013971770 |
| Name | PEOPLES BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | BEREA, KY 40403 |
| Amount | Amount Recorded |
|---|
Source: Madison County assessment roll, as of December 9, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| Municipality | Berea City |
| County | Madison County |
| Unified School District | Berea Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $471.00 (-2.89%) | $50,000 (-) | $50,000 (-) |
| 2023 | $485.00 | $50,000 | $50,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
| Flood Insurance Cost | Premium on Record median of 20 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 20 in force |
| Nearby Flood Claims | 8 (2010–2026) |
| Claims Outside the SFHA | 2 of 8 |
| Most Recent Claim | Jun 2026 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.03% 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 | BEREA MUNICIPAL UTILITIES private · serves 9,972 people · EPA ID KY0760030 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2023 |
| Lead | Under 1 ppb (2022–2024) 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 182 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Windstream Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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