2908 Lambert Rd, Berea, KY 40403 Property Records

Rockcastle County property record for 2908 Lambert Rd, Berea, KY 40403

Property Summary

Property Type	Mobile Home
Lot Size	5.96 acres (259,618 sqft)
Owner	Individual Name on Record
Tax Bill	$488 (2025)
Deeds & Mortgages	Jun 2023 Mortgage Jun 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`028-00-012.01`

Property Details

APN / Parcel Number

Primary APN	`028-00-012.01`
Alternative APNs	`1538101` `1230001` `1231601`

Exterior

Lot Area	259,618 sqft (5.96 acres)

Location & Zoning

Account Number	1231601
Street Address	2908 LAMBERT RD
City	BEREA
State	KY
Zip	40403-8690
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	5.96 ACRES & MOBILE HOME
Jurisdiction	ROCKCASTLE KY
Township / Civil Division	CONWAY
Census Block Group	2
Census Block	2004
Census Tract	950100

Owner

Source: Rockcastle County records, as of February 2, 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	Individual Name on Record
Mailing Address	2908 LAMBERT RD, BEREA, KY 40403-8690
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2023	Deed of Trust, Mortgage · Commercial Mortgage WHITAKER BANK INC
Jun 16, 2025	Deed of Trust, Mortgage · Conventional Mortgage WHITAKER BANK INC
Mar 24, 2023	Deed of Trust, Mortgage · Commercial Mortgage WHITAKER BANK INC
Mar 24, 2023	Deed, Transfer · Commercial Mortgage WHITAKER BANK INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 24, 2023
Deed Sale	Mar 24, 2023
Deed Document Number	385289
Deed Book / Page	286 / 619
Record Updated	Jun 8, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKCASTLE KY
Property Address	2908 LAMBERT RD, BEREA, KY 40403-8690
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2908 LAMBERT RD, BEREA, KY 40403-8690

Mortgage

Document Number	00000339/1
Date	Jun 1, 2023
Book Page	339/1
Instrument	386572

Lender

Name	WHITAKER BANK INC
Type	Bank
Address	LEXINGTON, KY 40555

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 1, 2043

Interest

Rate Type	Adjustable Rate

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKCASTLE KY
Property Address	2908 LAMBERT RD, BEREA, KY 40403-8690
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000360/232
Date	Jun 16, 2025
Book Page	360/232
Instrument	414330

Lender

Name	WHITAKER BANK INC
Type	Bank
Address	LEXINGTON, KY 40555

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2040

Interest

Rate Type	Adjustable Rate
Rate	8.25%
Type Change Date	Jul 1, 2028
Change Frequency	Annually
Min Rate At Change	8.25%
Max Rate At Change	10.2%
Max Rate	14.2%

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKCASTLE KY
Property Address	2908 LAMBERT RD, BEREA, KY 40403-8690
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2828 LAMBERT RD, BEREA, KY 40403-8689

Mortgage

Document Number	000337/290
Date	Mar 24, 2023
Book Page	337/290
Instrument	385290

Lender

Name	WHITAKER BANK INC
Type	Bank
Address	LEXINGTON, KY 40555

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2043

Interest

Rate Type	Adjustable Rate

March 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ROCKCASTLE KY
Recording Date	Mar 24, 2023
Property Address	2908 LAMBERT RD, BEREA, KY 40403-8690
Document Number	000286/619
Book / Page	286 / 619
Instrument Date	Mar 20, 2023
Instrument	385289
Transaction Type	Transfer
Record Updated	Feb 3, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2828 LAMBERT RD, BEREA, KY 40403-8689

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2908 LAMBERT RD, BEREA, KY 40403-8690

Mortgage

Document Number	0000385290
Date	Mar 24, 2023
Instrument	385290

Lender

Name	WHITAKER BANK INC
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2043

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Rockcastle County assessment roll, as of August 1, 2025

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	$488.00 (-0.61%)	$60,000 (-)	$60,000 (-)
2024	$491.00 (+16.9%)	$60,000 (+18.11%)	$60,000 (+18.11%)
2023	$420.00	$50,800	$50,800

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

Flood

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
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

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	0.06% 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 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL · Fiber in parts of the area	10 / 1

Cell Coverage

5G and 4G LTE (outdoors only)

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