2649 Gabbard Rd, Berea, KY 40403 Property Records

Garrard County property record for 2649 Gabbard Rd, Berea, KY 40403

Property Summary

Property Type	Rural Home
Details	3 bd · 2.5 ba · built 1996
Lot Size	15.8 acres (690,034 sqft)
Owner	2 Individual Names on File
Last Sale	$650,000 (Jun 2026)
Tax Bill	$2,874 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Feb 2013 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`71-26`

Property Details

APN / Parcel Number

Primary APN	`71-26`
Alternative APNs	`24637` `3366`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	690,034 sqft (15.8 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Other
Sewer	Connected

Location & Zoning

Account Number	24637
Street Address	2649 GABBARD RD
City	BEREA
State	KY
Zip	40403-8981
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Jurisdiction	GARRARD KY
Township / Civil Division	PAINT LICK
Census Block Group	2
Census Block	2029
Census Tract	970400

Owner

2649 Gabbard Rd, a rural home, is owned by two individuals who bought it in June 2026.

Source: Garrard County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1634 FOUR MILE RD, RICHMOND, KY 40475-9229
Owner Type	Individual
Vesting	Remainderman

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
Jun 18, 2026	Deed, Transfer · Conventional Mortgage WHITAKER BANK INC
Feb 4, 2013	Deed of Trust, Mortgage · Line of Credit U.S. BANK NATIONAL ASSOCIATION ND
Sep 8, 2025	Deed of Trust, Mortgage · Conventional Mortgage WHITAKER BANK INC
Mar 28, 2014	Deed of Trust, Mortgage ACOPIA, LLC
Dec 5, 2022	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2026 · Amount on File
Deed Sale	Jun 18, 2026 · Amount on File
Prior Sale	Dec 5, 2022 · Amount on File
Deed Document Number	2026216629
Deed Book / Page	337 / 641
Record Updated	Oct 29, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Jun 18, 2026
Property Address	2649 GABBARD RD, BEREA, KY 40403-8981
Document Number	0000216629
Book / Page	337 / 641
Instrument Date	Jun 17, 2026
Instrument	2026216629
Transaction Type	Transfer
Record Updated	Jul 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$65,650.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	1634 FOUR MILE RD, RICHMOND, KY 40475-9229

Mortgage

Document Number	0000216629,
Date	Jun 18, 2026
Book Page	473/564
Instrument	2026216629

Lender

Name	WHITAKER BANK INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	2649 GABBARD RD, BEREA, KY 40403-8981
Transaction Type	Mortgage
Record Updated	May 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000321/395
Date	Feb 4, 2013
Book Page	321/395
Instrument	115199

Lender

Name	U.S. BANK NATIONAL ASSOCIATION ND

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	298 Months
Due	Dec 26, 2037

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	2649 GABBARD RD, BEREA, KY 40403-8981
Transaction Type	Mortgage
Record Updated	May 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M461/757
Date	Sep 8, 2025
Book Page	M461/757
Instrument	198555

Lender

Name	WHITAKER BANK INC
Type	Bank
Address	LEXINGTON, KY 40555

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	12 Months
Due	Sep 2, 2026

March 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	2649 GABBARD RD, BEREA, KY 40403-8981
Transaction Type	Mortgage
Record Updated	May 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000330/928
Date	Mar 28, 2014
Book Page	330/928
Instrument	120134

Lender

Name	ACOPIA, LLC
Address	27072

Agreement

Amount	Amount on Record
Term	326 Months
Due	May 1, 2041

December 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	Dec 5, 2022
Property Address	2649 GABBARD RD, BEREA, KY 40403-8981
Document Number	00D319/131
Book / Page	D319 / 131
Map Reference	DB 174 PG 443
Instrument Date	Nov 29, 2022
Instrument	173343
Transaction Type	Transfer
Record Updated	May 5, 2026

Transaction

Amount	Amount on Record
Tax	$450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4800 114H AVE, CLEARWATER, FL 33762

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2649 GABBARD RD, BEREA, KY 40403-8981

Tax Assessment & Valuation

The 2025 property tax bill for 2649 Gabbard Rd was $2,874, down 0.5% from the year before.

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		$332,000 (+17.73%)	$500,000 (+77.3%) Land $475,000 Building $25,000
2025	$2,874.00 (-0.48%)	$282,000 (+9.73%) Land $32,000 Building $250,000	$282,000 (+9.73%) Land $32,000 Building $250,000
2024	$2,888.00 (-2.86%)	$257,000 (-) Land $32,000 Building $225,000	$257,000 (-) Land $32,000 Building $225,000
2023	$2,973.00 (+84.43%)	$257,000 (+33.85%) Land $32,000 Building $225,000	$257,000 (+33.85%) Land $32,000 Building $225,000
2022	$1,612.00 Homeowner's exemption	$192,000 Land $32,000 Building $160,000	$192,000 Land $32,000 Building $160,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 2649 Gabbard Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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

Wildfire risk around 2649 Gabbard Rd is moderate, ranking above 40% of the US, with a 0.07% annual chance of 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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	200 / 20

Cell Coverage

4G LTE (outdoors only), no 5G reported

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