359 Peggy Flat Rd, Berea, KY 40403 Property Records

Madison County property record for 359 Peggy Flat Rd, Berea, KY 40403

Property Summary

Property Type	Recreational/Entertainment (General)
Details	6,651 sqft
Lot Size	1.2 acres (52,272 sqft)
Owner	Company Name on File
Last Sale	$650,000 (May 2024)
Tax Bill	$6,129 (2025)
Deeds & Mortgages	Nov 2025 Mortgage May 2023 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`0060-0000-0031-C`

Property Details

APN / Parcel Number

Primary APN	`0060-0000-0031-C`
Alternative APNs	`132483` `78648` `58237`

Interior

Stories	1 Story
Building Area	6,651 sqft Total Area
Office	6,651 sqft

Exterior

Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	52,272 sqft (1.2 acres)
Porch	Porch
Porch Area	450 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	58237
Street Address	359 PEGGY FLAT RD
City	BEREA
State	KY
Zip	40403-9812
Property Category	Commercial
Property Type	Commercial > Retail > Recreational/Entertainment (General)
Legal Description	LOT 1B (1.20 ACRES)
Legal Subdivision	COOPER DR
Legal Lot Number	1B
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	1
Census Block	1013
Census Tract	11402

Owner

359 Peggy Flat Rd, a commercial property, is owned by a company that bought it in May 2024 and is owner-occupied.

Source: Madison County records, as of December 8, 2025

Owner of Record	Company Name on File
Mailing Address	341 INVERNESS TRL, RICHMOND, KY 40475-8850
Occupancy	Owner Occupied
Owner Type	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2025	Deed of Trust, Mortgage MONTICELLO BANKING CO
May 18, 2023	Warranty Deed, Transfer · Line of Credit CUMBERLAND VALLEY NATL BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 23, 2024 · Amount on File
Deed Sale	May 23, 2024 · Amount on File
Prior Sale	May 18, 2023 · Amount on File
Deed Document Number	2014205264
Deed Book / Page	D852 / 577
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	359 PEGGY FLAT RD, BEREA, KY 40403-9812
Transaction Type	Mortgage
Record Updated	Dec 2, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	200 WIMBERLY PL, RICHMOND, KY 40475-3540

Mortgage

Document Number	0M2423/126
Date	Nov 7, 2025
Book Page	M2423/126
Instrument	2014297714

Lender

Name	MONTICELLO BANKING CO
Type	Bank
Address	MONTICELLO, KY 42633

Agreement

Amount	Amount on Record
Term	12 Months
Due	Nov 3, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	May 18, 2023
Property Address	359 PEGGY FLAT RD, BEREA, KY 40403-9812
Document Number	00D838/429
Book / Page	D838 / 429
Map Reference	MB P15 PG 102
Instrument Date	May 15, 2023
Instrument	2014145768
Transaction Type	Transfer
Record Updated	Jun 16, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$650.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5884 HARMONS LICK RD, PAINT LICK, KY 40461-8915

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	144 LEXINGTON ST, VERSAILLES, KY 40383-1212

Mortgage

Document Number	2014145769
Date	May 18, 2023
Instrument	2014145769

Lender

Name	CUMBERLAND VALLEY NATL BANK & TRUST
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 359 Peggy Flat Rd was $6,129 with an additional exemption.

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	Madison County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,129.00 Additional exemption filed	$650,000	$650,000
2023	$5,238.00	$540,000	$540,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 359 Peggy Flat Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 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

Wildfire risk around 359 Peggy Flat Rd is low, with a 0.01% annual chance of 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	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Verizon Fixed Wireless	300 / 20
Windstream DSL	100 / 20

May also be available: Spectrum, T-Mobile.

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