357 Smith Ln, Berea, KY 40403 Property Records

Madison County property record for 357 Smith Ln, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$260,000 (Sep 2022)
Tax Bill	$2,451 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0085-0000-0037-P`

Property Details

APN / Parcel Number

Primary APN	`0085-0000-0037-P`
Alternative APNs	`125760` `80800` `55356`

Exterior

Lot Area	43,560 sqft (1 acres)

Location & Zoning

Account Number	55356
Street Address	357 SMITH LN
City	BEREA
State	KY
Zip	40403-9716
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 13 (1 ACRES)
Legal Subdivision	SMITH LANE
Legal Tract	13
Legal Lot Number	13
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	357 SMITH LN, BEREA, KY 40403-9716
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2022	Deed, Transfer · FHA Mortgage CENTRAL BANK & TRUST CO
Apr 25, 2022	Deed, Transfer · Commercial Mortgage CITIZENS GUARANTY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2022 · Amount on Record
Deed Sale	Sep 16, 2022 · Amount on Record
Prior Sale	Apr 25, 2022 · Amount on Record
Deed Document Number	2014111738
Deed Book / Page	D829 / 204
Record Updated	Jun 8, 2026

September 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Sep 16, 2022
Property Address	357 SMITH LN, BEREA, KY 40403-9716
Document Number	00D829/204
Book / Page	D829 / 204
Map Reference	MB 9 PG 241
Instrument Date	Sep 15, 2022
Instrument	2014111738
Transaction Type	Transfer
Record Updated	Feb 17, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$260.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	211 ERIC DR, RICHMOND, KY 40475-7854

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	357 SMITH LN, BEREA, KY 40403-9716

Mortgage

Document Number	2014111739
Date	Sep 16, 2022
Instrument	2014111739

Lender

Name	CENTRAL BANK & TRUST CO
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Apr 25, 2022
Property Address	357 SMITH LN, BEREA, KY 40403-9716
Document Number	00D822/193
Book / Page	D822 / 193
Map Reference	MB 9 PG 241
Instrument Date	Apr 25, 2022
Instrument	2014088463
Transaction Type	Transfer
Record Updated	Feb 17, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$158.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	238 LONGWOOD LN, RICHMOND, KY 40475-8350

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	230 GERI LN, RICHMOND, KY 40475-2304
Investor	Possibly a Property Investor

Mortgage

Document Number	2014088466
Date	Apr 25, 2022
Instrument	2014088466

Lender

Name	CITIZENS GUARANTY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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	$2,451.00 (-2.82%) Additional exemption filed	$260,000 (-)	$260,000 (-)
2023	$2,522.00	$260,000	$260,000

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	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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