Madison County property record for 354 Forest Trail Dr, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Lot Size | 1.02 acres (44,431 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $97,000 (Oct 2003) |
| Tax Bill | $1,280 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Apr 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0099-0015-0016 |
| Primary APN | 0099-0015-0016 |
|---|---|
| Alternative APNs |
|
| Lot Area | 44,431 sqft (1.02 acres) |
|---|
| Account Number | 64259 |
|---|---|
| Street Address | 354 FOREST TRAIL DR |
| City | BEREA |
| State | KY |
| Zip | 40403-9690 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WOODS VIEW LOT 16 PH 1 |
| Legal Subdivision | WOODS VIEW |
| Legal Phase | 1 |
| Legal Lot Number | 16 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 11101 |
354 Forest Trail Dr is owned and occupied by two individuals who bought it in October 2003.
Source: Madison County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 354 FOREST TRAIL DR, BEREA, KY 40403-9690 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 8, 2026 | Deed of Trust, Mortgage · Line of Credit FREEDOM MORTGAGE CORPORATION |
| Apr 3, 2018 | Deed of Trust, Mortgage · Commercial Mortgage STATE FARM BANK FSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 23, 2003 · Amount on File |
| Deed Sale | Oct 23, 2003 · Amount on File |
| Deed Document Number | 0000564475 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jul 8, 2026 |
| Property Address | 354 FOREST TRAIL DR, BEREA, KY 40403-9690 |
| Document Number | 0014361081 |
| Book / Page | 2482 / 429 |
| Instrument Date | May 29, 2026 |
| Instrument | 202614361081 |
| Transaction Type | Mortgage |
| Record Updated | Jul 17, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 354 FOREST TRAIL DR, BEREA, KY 40403-9690 |
| Document Number | 0014361081, |
|---|---|
| Date | Jul 8, 2026 |
| Book Page | 2482/429 |
| Instrument | 202614361081 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jun 24, 2036 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 354 FOREST TRAIL DR, BEREA, KY 40403-9690 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | M01796/285 |
|---|---|
| Date | Apr 3, 2018 |
| Book Page | M01796/285 |
| Instrument | 2013973753 |
| Name | STATE FARM BANK FSB |
|---|---|
| Type | Bank |
| Address | BLOOMINGTON, IL 61710 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 119 Months |
| Due | Mar 26, 2028 |
The 2025 property tax bill for 354 Forest Trail Dr was $1,280 with an additional exemption.
Source: Madison County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,280.00 Additional exemption filed | $129,000 | $129,000 |
| 2023 | $1,151.00 | $113,300 | $113,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 354 Forest Trail Dr 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 9 (5% premium discount) |
| Nearby Flood Policies | 4 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 risk around 354 Forest Trail Dr is moderate, ranking above 40% of the US, with a 0.06% annual chance of 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 | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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