315 Forest St, Berea, KY 40403 Property Records

Madison County property record for 315 Forest St, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Details	1,680 sqft
Lot Size	1.33 acres (58,324 sqft)
Owner	Company Name on File
Last Sale	$335,000 (Jan 2026)
Tax Bill	$2,741 (2025)
Deeds & Mortgages	Jun 2023 Second Mortgage Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`B010-0003-0010-A`

Property Details

APN / Parcel Number

Primary APN	`B010-0003-0010-A`
Alternative APNs	`112260` `75381` `41448`

Interior

Building Area	1,680 sqft Living Area
1st Floor Area	2,160 sqft
Basement Area	2,160 sqft
Finished Basement	2,160 sqft

Exterior

Architectural Style	Split Foyer
Exterior Material	Wood
Lot Area	58,324 sqft (1.33 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	41448
Street Address	315 FOREST ST
City	BEREA
State	KY
Zip	40403-1713
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2
Legal Subdivision	FOREST COURT
Legal Tract	2
Legal Lot Number	2
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	2
Census Block	2015
Census Tract	11303

Owner

315 Forest St is owned by a company that bought it in January 2026.

Source: Madison County records, as of May 5, 2026

Owner of Record	Company Name on File
Mailing Address	414 E SPRING ST, NEW ALBANY, IN 47150-2920
Owner Type	Company
Vesting	Limited Liability Partnership

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
Jun 8, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage APPALACHIAN COMMUNITY FCU
Sep 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jun 6, 2017	Deed, Transfer · Conventional Mortgage APPALACHIAN COMMUNITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 28, 2026 · Amount on File
Deed Sale	Jan 28, 2026 · Amount on File
Prior Sale	Jun 6, 2017 · Amount on File
Deed Document Number	202614314229
Deed Book / Page	878 / 627
Prior Transfer Date	Jan 7, 2009
Prior Transfer Doc	00D653/620
Record Updated	Jun 8, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	315 FOREST ST, BEREA, KY 40403-1713
Transaction Type	Mortgage
Record Updated	Jul 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M2239/296
Date	Jun 8, 2023
Book Page	M2239/296
Instrument	2014149845

Lender

Name	APPALACHIAN COMMUNITY FCU
Type	Credit Union
Address	JOHNSON CITY, TN 37615

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 1, 2038

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	315 FOREST ST, BEREA, KY 40403-1713
Transaction Type	Mortgage
Record Updated	Sep 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2093/582
Date	Sep 20, 2021
Book Page	M2093/582
Instrument	2014053840

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Jun 6, 2017
Property Address	315 FOREST ST, BEREA, KY 40403-1713
Document Number	D00745/634
Book / Page	D00745 / 634
Map Reference	M,B5 PG54
Instrument Date	May 31, 2017
Instrument	2013959671
Transaction Type	Transfer
Record Updated	Dec 17, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$158.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	570 W CEDAR GROVE RD, 570, IRVINE, KY 40336-7686

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 ADAMS ST, BEREA, KY 40403-1531

Mortgage

Document Number	2013959672
Date	Jun 6, 2017
Instrument	2013959672

Lender

Name	APPALACHIAN COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 315 Forest St was $2,741.

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	$2,741.00	$230,000	$230,000
2023	$2,315.00	$177,000	$177,000

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

Flood

FEMA maps place 315 Forest St in Zone X, an area of minimal flood risk.

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
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

Wildfire risk around 315 Forest 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	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	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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