Madison County property record for 286 Patsy Ln, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 1,468 sqft |
| Owner | 2 Individual Names on File |
| Last Sale | $87,500 (Oct 1998) |
| Tax Bill | $1,375 (2025) |
| Deeds & Mortgages | Aug 2022 Mortgage Jul 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 073A-0001-0046 |
| Primary APN | 073A-0001-0046 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,468 sqft Living Area |
| Exterior Material | Brick |
|---|
| Account Number | 44453 |
|---|---|
| Street Address | 286 PATSY LN |
| City | BEREA |
| State | KY |
| Zip | 40403-9185 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ROLLING ACRES LOT 24 PH 2 |
| Legal Subdivision | ROLLING ACRE |
| Legal Phase | 2 |
| Legal Lot Number | 24 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 1 |
| Census Block | 1084 |
| Census Tract | 11202 |
Source: Madison County records · APN 073A-0001-0046
Assessment roll updated April 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 286 PATSY LN, BEREA, KY 40403-9185 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 17, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Jul 16, 2019 | Deed of Trust, Mortgage · FHA Mortgage MERIDIAN HOME MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 29, 1998 · Amount on Record |
| Deed Sale | Oct 29, 1998 · Amount on Record |
| Deed Document Number | 0000494769 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 286 PATSY LN, BEREA, KY 40403-9185 |
| Transaction Type | Mortgage |
| Record Updated | Aug 31, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0M2183/344 |
|---|---|
| Date | Aug 17, 2022 |
| Book Page | M2183/344 |
| Instrument | 2014106869 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 286 PATSY LN, BEREA, KY 40403-9185 |
| Transaction Type | Mortgage |
| Record Updated | Aug 07, 2019 |
| Title Company | RESEARCH TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | M01875/293 |
|---|---|
| Date | Jul 16, 2019 |
| Book Page | M01875/293 |
| Instrument | 2013995653 |
| Name | MERIDIAN HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | WESTMINSTER, MD 21157 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2049 |
Source: Madison County records · Assessment roll updated April 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,375.00 (+14.68%) Homeowner's exemption | $195,000 (+14.71%) | $195,000 (+14.71%) |
| 2023 | $1,199.00 Homeowner's exemption | $170,000 | $170,000 |
Source: FEMA National Flood Hazard Layer as of December 21, 2017 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 3 in force |
| Wildfire Risk | Low lower than 67% of the US · above 66% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Holdings Fiber | 5,120 / 5,120 |
| Spectrum Cable | 1,000 / 1,000 |
| Uniti Group DSL | 100 / 20 |
Based on FCC filings for 45 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SOUTHERN MADISON WATER DISTRICT serves 14,707 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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