349 Smith Ln, Berea, KY 40403 Property Records

Madison County property record for 349 Smith Ln, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Lot Size	1.02 acres (44,431 sqft)
Owner	Individual Name on Record
Last Sale	$240,500 (Jun 2022)
Tax Bill	$2,267 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Feb 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0085-0000-0037-L`

Property Details

APN / Parcel Number

Primary APN	`0085-0000-0037-L`
Alternative APNs	`100608` `137836` `67816`

Exterior

Lot Area	44,431 sqft (1.02 acres)

Location & Zoning

Account Number	67816
Street Address	349 SMITH LN
City	BEREA
State	KY
Zip	40403-9716
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 (1.02 ACRES)
Legal Tract	9
Legal Lot Number	9
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
Co-owner	Co-owner on Record
Mailing Address	349 SMITH LN, BEREA, KY 40403-9716
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2022	Warranty Deed, Transfer · Conventional Mortgage PARK COMMUNITY FCU
Feb 1, 2022	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 24, 2022 · Amount on Record
Deed Sale	Jun 24, 2022 · Amount on Record
Prior Sale	Feb 1, 2022 · Amount on Record
Deed Document Number	2014097637
Deed Book / Page	D825 / 231
Record Updated	Jun 8, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Jun 24, 2022
Property Address	349 SMITH LN, BEREA, KY 40403-9716
Document Number	00D825/231
Book / Page	D825 / 231
Map Reference	MB 9 PG 123
Instrument Date	Jun 14, 2022
Instrument	2014097637
Transaction Type	Transfer
Record Updated	Feb 17, 2023
Title Company	TURNKEY TITLE AND ESCROW-1 LLC, TURNKEY TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 34, DAYHOIT, KY 40824-0034

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	349 SMITH LN, BEREA, KY 40403-9716

Mortgage

Document Number	2014097643
Date	Jun 24, 2022
Instrument	2014097643

Lender

Name	PARK COMMUNITY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2029
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	11.7%
Index	1-Year CMT

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Feb 1, 2022
Property Address	349 SMITH LN, BEREA, KY 40403-9716
Document Number	00D817/793
Book / Page	D817 / 793
Map Reference	MB 9 PG 123
Instrument Date	Jan 25, 2022
Instrument	2014075255
Transaction Type	Transfer
Record Updated	Feb 17, 2023
Title Company	KENTUCKY LAND TITLE, KENTUCKY MTN LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$230.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	349 SMITH LN, BEREA, KY 40403-9716

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	349 SMITH LN, BEREA, KY 40403-9716

Mortgage

Document Number	2014075256
Date	Feb 1, 2022
Instrument	2014075256

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

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	$2,267.00 (-2.79%) Additional exemption filed	$240,500 (-)	$240,500 (-)
2023	$2,332.00	$240,500	$240,500

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 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	Low lower than 64% of the US · above 67% of Kentucky
Wildfire Likelihood	0.06% 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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