306 Prospect St, Berea, KY 40403 Property Records

Madison County property record for 306 Prospect St, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Details	2,492 sqft
Lot Size	0.265 acres (11,575 sqft)
Owner	2 Individual Names on File
Last Sale	$375,000 (Apr 2026)
Tax Bill	$2,980 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`B010-0006-0026`

Property Details

APN / Parcel Number

Primary APN	`B010-0006-0026`
Alternative APNs	`135459` `98234` `65431`

Interior

Stories	2 Stories
Building Area	2,492 sqft Living Area
1st Floor Area	1,096 sqft
Basement Area	1,096 sqft
Unfinished Basement	1,096 sqft

Exterior

Exterior Material	Brick Veneer
Lot Area	11,575 sqft (0.265 acres)
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	65431
Street Address	306 PROSPECT ST
City	BEREA
State	KY
Zip	40403-1725
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLUEBIRD TRACT I & II BLK A
Legal Subdivision	BLUEBIRD
Legal Tract	1
Legal Block	A
Legal Lot Number	1
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	2
Census Block	2001
Census Tract	11304

Owner

306 Prospect St is owned by two individuals who bought it in April 2026.

Source: Madison County records, as of April 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	30G PROSPECT ST, BEREA, KY 40403
Owner Type	Individual
Vesting	Remainderman

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2026	Deed, Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK
Apr 15, 2026	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2026 · Amount on File
Deed Sale	Apr 15, 2026 · Amount on File
Prior Sale	Apr 14, 2023 · Amount on File
Deed Document Number	202614339796
Deed Book / Page	881 / 321
Record Updated	Sep 20, 2026

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Apr 15, 2026
Property Address	306 PROSPECT ST, BEREA, KY 40403-1725
Document Number	0014339796
Book / Page	881 / 321
Instrument Date	Apr 3, 2026
Instrument	2026.14339796
Transaction Type	Transfer
Record Updated	Apr 29, 2026
Title Company	LAND GROUP TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$37,875.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman

Mortgage

Document Number	0014339796,
Date	Apr 15, 2026
Book Page	2459/754
Instrument	2026.14339796

Lender

Name	GUARDIAN SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Recording Date	Apr 15, 2026
Property Address	306 PROSPECT ST, BEREA, KY 40403-1725
Document Number	0014339797
Book / Page	2459 / 754
Instrument Date	Apr 3, 2026
Instrument	202614339797
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	LAND GROUP TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	306 PROSPECT ST, BEREA, KY 40403-1725

Mortgage

Document Number	0014339797,
Date	Apr 15, 2026
Book Page	2459/754
Instrument	202614339797

Lender

Name	GUARDIAN SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 306 Prospect St was $2,980.

Source: Madison County assessment roll, as of December 9, 2025

Property Jurisdictions

Type	Name
State	Kentucky
Municipality	Berea City
County	Madison County
Unified School District	Berea Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,980.00	$250,000	$250,000
2023	$2,302.00	$176,000	$176,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 306 Prospect 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
Flood Insurance Cost	Premium on File median of 20 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	20 in force
Nearby Flood Claims	8 (2010–2026)
Claims Outside the SFHA	2 of 8
Most Recent Claim	Jun 2026 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 2 claims

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

Wildfire risk around 306 Prospect St is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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	BEREA MUNICIPAL UTILITIES private · serves 9,972 people · EPA ID KY0760030
Water Source	Surface water
Last State Inspection	May 2023
Lead	Under 1 ppb (2022–2024) 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 280 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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