325 Smith Ln, Berea, KY 40403 Property Records

Madison County property record for 325 Smith Ln, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Details	2,252 sqft
Lot Size	10.1 acres (443,441 sqft)
Owner	Individual Name on Record
Last Sale	$245,000 (Jun 2017)
Tax Bill	$1,517 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Mar 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0085-0000-0037-R`

Property Details

APN / Parcel Number

Primary APN	`0085-0000-0037-R`
Alternative APNs	`133957` `96760` `63872`

Interior

Stories	1 Story
Building Area	2,252 sqft Living Area

Exterior

Exterior Material	Brick
Lot Area	443,441 sqft (10.1 acres)
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	63872
Street Address	325 SMITH LN
City	BEREA
State	KY
Zip	40403-9716
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 1-A (10.18 ACRES)
Legal Tract	1
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	2
Census Block	2008
Census Tract	11101

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	325 SMITH LN, BEREA, KY 40403-9716
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2020	Deed of Trust, Mortgage · Closed-End Mortgage US BANK NA
Mar 22, 2018	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jun 20, 2017	Deed, Transfer · Conventional Mortgage FORCHT BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 20, 2017 · Amount on Record
Deed Sale	Jun 20, 2017 · Amount on Record
Deed Document Number	2013960317
Deed Book / Page	D00746 / 301
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	325 SMITH LN, BEREA, KY 40403-9716
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI US INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01934/346
Date	Apr 24, 2020
Book Page	M01934/346
Instrument	2014010810

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 15, 2040

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	325 SMITH LN, BEREA, KY 40403-9716
Transaction Type	Mortgage
Record Updated	Apr 6, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01794/447
Date	Mar 22, 2018
Book Page	M01794/447
Instrument	2013973259

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 8, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Jun 20, 2017
Property Address	325 SMITH LN, BEREA, KY 40403-9716
Document Number	D00746/301
Book / Page	D00746 / 301
Map Reference	CAB 18 SL368
Instrument Date	Jun 15, 2017
Instrument	2013960317
Transaction Type	Transfer
Record Updated	Dec 17, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$245.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	307 BOONE ST, 307, BEREA, KY 40403-1606

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	325 SMITH LN, BEREA, KY 40403-9716

Mortgage

Document Number	2013960318
Date	Jun 20, 2017
Instrument	2013960318

Lender

Name	FORCHT BANK NA
Type	Bank

Agreement

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

Tax Assessment & Valuation

Source: Madison County assessment roll, as of April 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Madison County
Unified School District	Madison County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,517.00 (-4.41%) Homeowner's exemption	$210,000 (-)	$210,000 (-)
2023	$1,587.00 Homeowner's exemption	$210,000	$210,000

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 · 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 9 (5% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2026)
Most Recent Claim	Jun 2026 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides

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	Moderate above 40% of the US · above 70% of Kentucky
Wildfire Likelihood	0.07% 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	SOUTHERN MADISON WATER DISTRICT serves 14,707 people · EPA ID KY0760407
Water Source	Purchased surface water from BEREA MUNICIPAL UTILITIES
Last State Inspection	May 2023
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000

May also be available: T-Mobile.

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