398 Scaffold Cane Rd, Berea, KY 40403 Property Records

Madison County property record for 398 Scaffold Cane Rd, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,079 sqft
Lot Size	0.338 acres (14,724 sqft)
Owner	2 Individual Names on File
Last Sale	$210,000 (Jul 2025)
Tax Bill	$1,966 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`B011-0001-0002`

Property Details

APN / Parcel Number

Primary APN	`B011-0001-0002`
Alternative APNs	`134590` `97388` `39536`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,079 sqft Living Area

Exterior

Exterior Material	Aluminum/Vinyl
Lot Area	14,724 sqft (0.338 acres)
Garage Type	Attached
Garage Area	252 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	39536
Street Address	398 SCAFFOLD CANE RD
City	BEREA
State	KY
Zip	40403-1884
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DESC
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	2
Census Block	2003
Census Tract	11304

Owner

Source: Madison County assessment roll, as of December 9, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	398 SCAFFOLD CANE RD, BEREA, KY 40403-1884
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2021	Deed, Transfer · ARM NORTHPOINTE BANK
Jul 14, 2020	Warranty Deed, Transfer · Conventional Mortgage FAHE INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 14, 2025 · Amount on Record
Deed Sale	Jul 14, 2025 · Amount on Record
Prior Sale	Nov 15, 2021 · Amount on Record
Deed Document Number	202514272470
Deed Book / Page	870 / 197
Prior Transfer Date	Dec 7, 2023
Prior Transfer Doc	00D846/533
Record Updated	Jun 8, 2026

November 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Nov 15, 2021
Property Address	398 SCAFFOLD CANE RD, BEREA, KY 40403-1884
Document Number	D814/306
Book / Page	D814 / 306
Instrument Date	Oct 29, 2021
Instrument	2014063906
Transaction Type	Transfer
Record Updated	Nov 29, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$165.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1004 RUSSELL CAVE RD, 1004, LEXINGTON, KY 40505-3410

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	398 SCAFFOLD CANE RD, BEREA, KY 40403-1884

Mortgage

Document Number	2014063907
Date	Nov 15, 2021
Instrument	2014063907

Lender

Name	NORTHPOINTE BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	Nov 1, 2026
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	6.62%
Index	1-Year LIBOR
Max Rate	9.62%

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Jul 14, 2020
Property Address	398 SCAFFOLD CANE RD, BEREA, KY 40403-1884
Document Number	D00790/530
Book / Page	D00790 / 530
Instrument Date	Jul 2, 2020
Instrument	2014015703
Transaction Type	Transfer
Record Updated	Dec 17, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	120 E MAIN ST # ST1914, 120, LEXINGTON, KY 40507-1339

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	398 SCAFFOLD CANE RD, BEREA, KY 40403-1884

Mortgage

Document Number	2014015704
Date	Jul 14, 2020
Instrument	2014015704

Lender

Name	FAHE INC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

Source: Madison County assessment roll, as of December 9, 2025

Property Jurisdictions

Type	Name
State	Kentucky
Municipality	Berea City
County	Madison County
Unified School District	Berea Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,966.00 (-8.9%)	$165,000 (-)	$165,000 (-)
2023	$2,158.00 (+3.11%)	$165,000 (-)	$165,000 (-)
2022	$2,093.00	$165,000	$165,000

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 20 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	20 in force
Nearby Flood Claims	8 (2010–2026)
Claims Outside the SFHA	2 of 8
Most Recent Claim	Jun 2026 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 2 claims

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 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BEREA MUNICIPAL UTILITIES private · serves 9,972 people · EPA ID KY0760030
Water Source	Surface water
Last State Inspection	May 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 77 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Holdings Fiber	5,120 / 5,120
Uniti Group Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile USA.

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