Madison County property record for 304 Water St, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,170 sqft |
| Owner | Individual Name on File |
| Last Sale | $103,000 (Oct 2005) |
| Tax Bill | $1,056 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | B009-0014-0002 |
| Primary APN | B009-0014-0002 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,170 sqft Living Area |
| Exterior Material | Aluminum/Vinyl |
|---|
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 74500 |
|---|---|
| Street Address | 304 WATER ST |
| City | BEREA |
| State | KY |
| Zip | 40403-1246 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | JACKSON LOT A BLK H |
| Legal Subdivision | JACKSON ADD |
| Legal Block | H |
| Legal Lot Number | A |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 11303 |
304 Water St is owned and occupied by an individual who bought it in October 2005.
Source: Madison County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 304 WATER ST, BEREA, KY 40403-1246 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 12, 2005 · Amount on File |
| Deed Sale | Oct 12, 2005 · Amount on File |
| Deed Document Number | 0000597525 |
| Deed Book / Page | 597 / 525 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 304 WATER ST, BEREA, KY 40403-1246 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2021 |
| Name | Verified Name |
|---|
| Document Number | M2090/344 |
|---|---|
| Date | Sep 9, 2021 |
| Book Page | M2090/344 |
| Instrument | 2014052199 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Oct 1, 2046 |
The 2025 property tax bill for 304 Water St was $1,056 with an additional exemption.
Source: Madison County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| Municipality | Berea City |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,056.00 Additional exemption filed | $112,000 | $112,000 |
| 2023 | $1,086.00 | $112,000 | $112,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 304 Water St 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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 9 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 304 Water St is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 66% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
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 81 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Windstream Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
May also be available: Verizon.
5G (outdoors only) and 4G LTE
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