Madison County property record for 285 Hickory Ln, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 1,584 sqft |
| Lot Size | 11.4 acres (497,891 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $33 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Feb 2024 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0073-0000-0005-E |
| Primary APN | 0073-0000-0005-E |
|---|---|
| Alternative APNs |
|
| Building Area | 1,584 sqft Living Area |
|---|
| Exterior Material | Brick Veneer |
|---|---|
| Lot Area | 497,891 sqft (11.4 acres) |
| Garage Type | Basement |
| Garage Area | 288 sqft |
| Parking Spaces | 1 Parking Space |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 44123 |
|---|---|
| Street Address | 285 HICKORY LN |
| City | BEREA |
| State | KY |
| Zip | 40403-9181 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HICKORY LANE TRACT 1 (11.43 ACRES) |
| Legal Tract | 1 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 1 |
| Census Block | 1086 |
| Census Tract | 11202 |
285 Hickory Ln is owned and occupied by two individuals who acquired it in October 1996.
Source: Madison County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 218 CARPENTER LN, BEREA, KY 40403-8101 |
| 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.
| Date | Document |
|---|---|
| Feb 6, 2026 | Deed of Trust, Mortgage · Non-Conforming Investor Loan WHITAKER BANK INC |
| Feb 14, 2024 | Deed of Trust, Mortgage · Commercial Mortgage WHITAKER BANK INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 15, 1996 |
| Deed Sale | Oct 15, 1996 |
| Deed Document Number | 0000470219 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 285 HICKORY LN, BEREA, KY 40403-9181 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2026 |
| Name | Verified Name |
|---|---|
| Address | 218 CARPENTER LN, BEREA, KY 40403-8101 |
| Document Number | 0M2443/644 |
|---|---|
| Date | Feb 6, 2026 |
| Book Page | M2443/644 |
| Instrument | 2014316920 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40555 |
| Type | Non-Conforming Investor Loan |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Feb 5, 2036 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 285 HICKORY LN, BEREA, KY 40403-9181 |
| Transaction Type | Mortgage |
| Record Updated | Feb 26, 2024 |
| Name | Verified Name |
|---|---|
| Address | 218 CARPENTER LN, BEREA, KY 40403-8101 |
| Document Number | 0M2283/365 |
|---|---|
| Date | Feb 14, 2024 |
| Book Page | M2283/365 |
| Instrument | 2014190654 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40555 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Feb 5, 2034 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 285 Hickory Ln was $33 with an additional exemption.
Source: Madison County assessment roll, as of April 1, 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 | $33.00 Additional exemption filed | $3,500 | $3,500 |
| 2023 | $33.00 | $3,500 | $3,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 285 Hickory Ln 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 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 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 3 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 risk around 285 Hickory Ln is low, with a 0.07% 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 | 0.07% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 59 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 |
| Verizon Fixed Wireless | 300 / 20 |
| Windstream DSL | 100 / 20 |
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