2493 Lambert Rd, Berea, KY 40403 Property Records

Rockcastle County property record for 2493 Lambert Rd, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Lot Size	3.8 acres (165,528 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,033 (2025)
Deeds & Mortgages	May 2022 Line of Credit Mar 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`028-00-010.18`

Property Details

APN / Parcel Number

Primary APN	`028-00-010.18`
Alternative APNs	`1391001` `1253601` `1417701` `485301`

Exterior

Lot Area	165,528 sqft (3.8 acres)

Location & Zoning

Account Number	1417701
Street Address	2493 LAMBERT RD
City	BEREA
State	KY
Zip	40403-8685
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 10 & HOUSE
Legal Subdivision	GRAY W HOLMAN RLS
Legal Tract	10
Jurisdiction	ROCKCASTLE KY
Township / Civil Division	CONWAY
Census Block Group	2
Census Block	2012
Census Tract	950100

Owner

2493 Lambert Rd is owned and occupied by two individuals who acquired it in September 2025.

Source: Rockcastle County records, as of January 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2493 LAMBERT RD, BEREA, KY 40403-8685
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
May 24, 2022	Deed of Trust, Mortgage · Line of Credit WHITAKER BANK INC
Mar 2, 2023	Deed of Trust, Mortgage · Commercial Mortgage WHITAKER BANK INC
Sep 15, 2025	Intrafamily Transfer, Transfer · VA Mortgage PENNYMAC LOAN SERVICES LLC
Dec 16, 2024	Deed, Transfer · VA Mortgage PROSPERITY HOME MORTGAGE LLC
May 25, 2023	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2025
Deed Sale	Sep 15, 2025
Prior Sale	Dec 16, 2024 · Amount on File
Deed Book / Page	299 / 359
Prior Transfer Date	Sep 6, 2025
Prior Transfer Doc	000299/359
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKCASTLE KY
Property Address	2493 LAMBERT RD, BEREA, KY 40403-8685
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	222 E HAITI RD, BEREA, KY 40403-1648

Mortgage

Document Number	000328/570
Date	May 24, 2022
Book Page	328/570
Instrument	371069

Lender

Name	WHITAKER BANK INC
Type	Bank
Address	LEXINGTON, KY 40555

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	6 Months
Due	Nov 19, 2022

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKCASTLE KY
Property Address	2493 LAMBERT RD, BEREA, KY 40403-8685
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	222 E HAITI RD, BEREA, KY 40403-1648

Mortgage

Document Number	000336/391
Date	Mar 2, 2023
Book Page	336/391
Instrument	384602

Lender

Name	WHITAKER BANK INC
Type	Bank
Address	MINNEAPOLIS, MN 55439

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	11 Months
Due	Feb 7, 2024

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ROCKCASTLE KY
Recording Date	Sep 15, 2025
Property Address	2493 LAMBERT RD, BEREA, KY 40403-8685
Document Number	000299/359
Book / Page	299 / 359
Map Reference	MB 4 PG 585
Instrument Date	Sep 6, 2025
Instrument	419672
Transaction Type	Transfer
Record Updated	Jan 20, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2493 LAMBERT RD, BEREA, KY 40403-8685

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2493 LAMBERT RD, BEREA, KY 40403-8685

Mortgage

Document Number	0000419673
Date	Sep 15, 2025
Instrument	419673

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

December 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	ROCKCASTLE KY
Recording Date	Dec 16, 2024
Property Address	2493 LAMBERT RD, BEREA, KY 40403-8685
Document Number	000295/283
Book / Page	295 / 283
Map Reference	MB 4 PG 585 SL 813
Instrument Date	Dec 6, 2024
Instrument	407240
Transaction Type	Transfer
Record Updated	Jan 20, 2026
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$250.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	590 WALTER LAKES RD, WACO, KY 40385-9534

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	399 ZURICH CT, CLARKSVILLE, TN 37040-8688

Mortgage

Document Number	0000407241
Date	Dec 16, 2024
Instrument	407241

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2055

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ROCKCASTLE KY
Recording Date	May 25, 2023
Property Address	2493 LAMBERT RD, BEREA, KY 40403-8685
Document Number	000287/414
Book / Page	287 / 414
Map Reference	MB 4 PG 585 SL 813
Instrument Date	May 24, 2023
Instrument	386412
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount on Record
Tax	$105.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	222 E HAITI RD, BEREA, KY 40403-1648

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 MACARTHUR CT # B, B, NICHOLASVILLE, KY 40356-9168

Tax Assessment & Valuation

The 2025 property tax bill for 2493 Lambert Rd was $2,033, up 136.7% from the year before.

Source: Rockcastle County assessment roll, as of January 23, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,033.00 (+136.67%)	$249,900 (+138%)	$249,900 (+138%)
2024	$859.00 (-48.1%)	$105,000 (-47.5%)	$105,000 (-47.5%)
2023	$1,655.00	$200,000	$200,000

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

Flood

FEMA maps place 2493 Lambert Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective August 3, 2009 · 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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 2493 Lambert 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 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL	2,000 / 2,000

Cell Coverage

5G (outdoors only) and 4G LTE

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