322 Oak St, Berea, KY 40403 Property Records

Madison County property record for 322 Oak St, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Details	1,593 sqft
Owner	Individual Name on Record
Last Sale	$130,000 (Dec 2022)
Tax Bill	$1,549 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`B001-0008-0017`

Property Details

APN / Parcel Number

Primary APN	`B001-0008-0017`
Alternative APNs	`143675` `87033` `73861`

Interior

Stories	1 Story
Building Area	1,593 sqft Living Area

Exterior

Exterior Material	Brick Veneer
Garage Type	Detached
Parking Spaces	5 Parking Spaces
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Gas

Location & Zoning

Account Number	73861
Street Address	322 OAK ST
City	BEREA
State	KY
Zip	40403-1425
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A W ESTRIDGE LOT 13-17
Legal Subdivision	A W ESTRIDGE
Legal Lot Number	13-17
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	2
Census Block	2007
Census Tract	11201

Owner

Source: Madison County records, as of December 8, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	322 OAK ST, BEREA, KY 40403-1425
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 13, 2022 · Amount on Record
Deed Sale	Dec 13, 2022 · Amount on Record
Deed Document Number	2014123299
Deed Book / Page	D832 / 480
Record Updated	Jun 8, 2026

December 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Dec 13, 2022
Property Address	322 OAK ST, BEREA, KY 40403-1425
Document Number	00D832/480
Book / Page	D832 / 480
Map Reference	MB 1 PG 61
Instrument Date	Dec 9, 2022
Instrument	2014123299
Transaction Type	Transfer
Record Updated	Jan 5, 2023
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$130.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	203 CAWOOD CT, RICHMOND, KY 40475-8206

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 OAK ST, BEREA, KY 40403-1425

Mortgage

Document Number	2014123303
Date	Dec 13, 2022
Instrument	2014123303

Lender

Name	LOWER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

Tax Assessment & Valuation

Source: Madison County assessment roll, as of April 1, 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	$1,549.00 (-8.88%) Additional exemption filed	$130,000 (-)	$130,000 (-)
2023	$1,700.00	$130,000	$130,000

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 December 21, 2017

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

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	0.01% 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 208 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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