323 Forest St, Berea, KY 40403 Property Records

Madison County property record for 323 Forest St, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,422 sqft · built 1969
Owner	Individual Name on Record
Last Sale	$129,500 (Aug 2018)
Tax Bill	$1,722 (2025)
Deeds & Mortgages	Aug 2018 Sale & Mortgage Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`B010-0003-0002`

Property Details

APN / Parcel Number

Primary APN	`B010-0003-0002`
Alternative APNs	`129384` `92229` `59171`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	1 Story
Building Area	1,422 sqft Living Area

Exterior

Year Built	Built 1969
Exterior Material	Aluminum/Vinyl

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Forced Air

Location & Zoning

Account Number	59171
Street Address	323 FOREST ST
City	BEREA
State	KY
Zip	40403-1713
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FOREST STREET
Legal Subdivision	FOREST
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	2
Census Block	2015
Census Tract	11303

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	323 FOREST ST, BEREA, KY 40403-1713
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2018	Deed, Transfer · Conventional Mortgage KENTUCKY BANK
Sep 11, 2017	Warranty Deed, Transfer · Conventional Mortgage WHITAKER BANK INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 20, 2018 · Amount on Record
Deed Sale	Aug 20, 2018 · Amount on Record
Prior Sale	Sep 11, 2017 · Amount on Record
Deed Document Number	2013980492
Deed Book / Page	D00763 / 474
Record Updated	Jun 8, 2026

August 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Aug 20, 2018
Property Address	323 FOREST ST, BEREA, KY 40403-1713
Document Number	D00763/474
Book / Page	D00763 / 474
Map Reference	MB5 PG129
Instrument Date	Aug 17, 2018
Instrument	2013980492
Transaction Type	Transfer
Record Updated	Dec 17, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$129.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	737 BENSON DR APT 9, 737, RICHMOND, KY 40475-5603

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 FOREST ST, BEREA, KY 40403-1713

Mortgage

Document Number	2013980493
Date	Aug 20, 2018
Instrument	2013980493

Lender

Name	KENTUCKY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Sep 11, 2017
Property Address	323 FOREST ST, BEREA, KY 40403-1713
Document Number	D00750/097
Book / Page	D00750 / 097
Map Reference	MB5 PG129
Instrument Date	Sep 7, 2017
Instrument	2013964600
Transaction Type	Transfer
Record Updated	Dec 17, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	497 JACKS RIDGE RD, 497, MC KEE, KY 40447-6639

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 FOREST ST, BEREA, KY 40403-1713

Mortgage

Document Number	2013964601
Date	Sep 11, 2017
Instrument	2013964601

Lender

Name	WHITAKER BANK INC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

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	$1,722.00 (-8.89%) Additional exemption filed	$144,500 (-)	$144,500 (-)
2023	$1,890.00	$144,500	$144,500

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 · 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

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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