Madison County property record for 305 Jackson St, Berea, KY 40403 · Last verified June 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2,370 sqft |
| Lot Size | 0.34 acres (14,813 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $300,000 (Jun 2026) |
| Tax Bill | $2,741 (2025) |
| Deeds & Mortgages | May 2020 Mortgage Jul 2019 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | B010-0007-0043 |
| Primary APN | B010-0007-0043 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,370 sqft Living Area |
| 1st Floor Area | 1,054 sqft |
| Basement Area | 1,054 sqft |
| Unfinished Basement | 1,054 sqft |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Lot Area | 14,813 sqft (0.34 acres) |
| Garage Type | Detached |
| Garage Area | 408 sqft |
| Parking Spaces | 2 Parking Spaces |
| Account Number | 75251 |
|---|---|
| Street Address | 305 JACKSON ST |
| City | BEREA |
| State | KY |
| Zip | 40403-1719 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 305 JACKSON ST |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 11303 |
Source: Madison County records · APN B010-0007-0043
Assessment roll updated December 9, 2025 · Last verified June 2026
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 | 305 JACKSON ST, BEREA, KY 40403-1719 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| May 05, 2020 | Deed of Trust, Mortgage · VA Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC |
| Jul 17, 2019 | Deed of Trust, Mortgage · Line of Credit PEOPLES BANK & TRUST CO OF MADISON CNTY |
| Mar 05, 2026 | Deed of Trust, Mortgage · Line of Credit MEMBERS HERITAGE FCU |
| Jun 02, 2026 | Warranty Deed, Transfer · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC |
| Jul 30, 2019 | Deed, Transfer · VA Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC |
| Apr 26, 2007 | Deed, Transfer PEOPLES BANK & TRUST CO OF MADISON CNTY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 02, 2026 · Amount on Record |
| Deed Sale | Jun 02, 2026 · Amount on Record |
| Prior Sale | Jul 30, 2019 · Amount on Record |
| Deed Document Number | 202614352535 |
| Deed Book / Page | 883 / 459 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 305 JACKSON ST, BEREA, KY 40403-1719 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | M01936/665 |
|---|---|
| Date | May 05, 2020 |
| Book Page | M01936/665 |
| Instrument | 2014011436 |
| Name | ARK-LA-TEX FINANCIAL SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | PLANO, TX 75024 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 305 JACKSON ST, BEREA, KY 40403-1719 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2026 |
| Name | Verified Name |
|---|
| Document Number | M01875/405 |
|---|---|
| Date | Jul 17, 2019 |
| Book Page | M01875/405 |
| Instrument | 2013995675 |
| Name | PEOPLES BANK & TRUST CO OF MADISON CNTY |
|---|---|
| Type | Bank |
| Address | BEREA, KY 40403 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 305 JACKSON ST, BEREA, KY 40403-1719 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0M2449/720 |
|---|---|
| Date | Mar 05, 2026 |
| Book Page | M2449/720 |
| Instrument | 2014324612 |
| Name | MEMBERS HERITAGE FCU |
|---|---|
| Type | Credit Union |
| Address | LEXINGTON, KY 40511 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 04, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jun 02, 2026 |
| Property Address | 305 JACKSON ST, BEREA, KY 40403-1719 |
| Document Number | 0014352535 |
| Book / Page | 883 / 459 |
| Instrument Date | May 28, 2026 |
| Instrument | 202614352535 |
| Transaction Type | Transfer |
| Record Updated | Jun 18, 2026 |
| Title Company | TREY TITLE LLC, TRUE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $30,300.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Remainderman |
| Address | 305 JACKSON ST, BEREA, KY 40403-1719 |
| Document Number | 0014352539, |
|---|---|
| Date | Jun 02, 2026 |
| Instrument | 202614352539 |
| Name | ARK-LA-TEX FINANCIAL SERVICES LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jul 30, 2019 |
| Property Address | 305 JACKSON ST, BEREA, KY 40403-1719 |
| Document Number | D00776/513 |
| Book / Page | D00776 / 513 |
| Instrument Date | Jul 26, 2019 |
| Instrument | 2013996295 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $230.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 221 ROBERTSON ST, 221, BEREA, KY 40403 |
| Name | Verified Name |
|---|---|
| Address | 305 JACKSON ST, BEREA, KY 40403-1719 |
| Investor | Possibly a Property Investor |
| Document Number | 2013996296 |
|---|---|
| Date | Jul 30, 2019 |
| Instrument | 2013996296 |
| Name | ARK-LA-TEX FINANCIAL SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Apr 26, 2007 |
| Property Address | 305 JACKSON ST, BEREA, KY 40403-1719 |
| Document Number | 0D0620/491 |
| Book / Page | D0620 / 491 |
| Instrument Date | Apr 25, 2007 |
| Instrument | 387175 |
| Transaction Type | Transfer |
| Record Updated | Dec 09, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $150.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 305 JACKSON ST, 305, BEREA, KY 40403-1719 |
| Name | Verified Name |
|---|---|
| Address | 305 JACKSON ST, BEREA, KY 40403-1719 |
| Document Number | 0M1176/020 |
|---|---|
| Date | Apr 26, 2007 |
| Book Page | M1176/020 |
| Instrument | 387176 |
| Name | PEOPLES BANK & TRUST CO OF MADISON CNTY |
|---|---|
| Type | Bank |
| Address | BEREA, KY 40403 |
| Amount | Amount Recorded |
|---|
Source: Madison County records · Assessment roll updated December 9, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Kentucky |
| Municipality | Berea City |
| County | Madison County |
| Unified School District | Berea Independent 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 | $2,741.00 (-8.88%) | $230,000 (-) | $230,000 (-) |
| 2023 | $3,008.00 | $230,000 | $230,000 |
Source: FEMA National Flood Hazard Layer, Madison County (21151C), updated December 21, 2017 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211510113031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 57 individual NFIP policies nearby |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 57 in force 45 of 57 on primary residences |
| Nearby Flood Claims | 2 (2010–2025) |
| Most Recent Claim | Apr 2025, river or lake flooding, Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides |
| Wildfire Risk | Low above 20% of the US · above 37% of Kentucky |
|---|---|
| Wildfire Likelihood | About 1 in 5,263 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
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