40 Ford Ln, Berea, KY 40403 Property Records

Garrard County property record for 40 Ford Ln, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Lot Size	3.5 acres (152,460 sqft)
Owner	2 Individual Names on Record
Last Sale	$390,000 (May 2026)
Tax Bill	$3,414 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage May 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`71-30.03`

Property Details

APN / Parcel Number

Primary APN	`71-30.03`
Alternative APN	`23290`

Exterior

Lot Area	152,460 sqft (3.5 acres)

Location & Zoning

Account Number	23290
Street Address	40 FORD LN
City	BEREA
State	KY
Zip	40403-8997
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & 3.50 AC
Legal Subdivision	MINOR SUBDIVISION
Jurisdiction	GARRARD KY
Township / Civil Division	PAINT LICK
Census Block Group	2
Census Block	2030
Census Tract	970400

Owner

Source: Garrard County records, as of September 23, 2026

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 Record
Mailing Address	112 FRANCES DR, RICHMOND, KY 40475-9180
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
May 15, 2026	Deed, Transfer · VA Mortgage TOP FLITE FINANCIAL
May 15, 2026	Deed of Trust, Mortgage · VA Mortgage TOP FLITE FINANCIAL
Jul 1, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2026 · Amount on Record
Deed Sale	May 15, 2026 · Amount on Record
Prior Sale	Nov 29, 2022 · Amount on Record
Deed Document Number	2026215373
Deed Book / Page	337 / 151
Record Updated	Oct 29, 2026

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	May 15, 2026
Property Address	40 FORD LN, BEREA, KY 40403-8997
Document Number	0000215373
Book / Page	337 / 151
Instrument Date	Apr 30, 2026
Instrument	2026.215373
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	CLEAR TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$39,390.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	112 FRANCES DR, RICHMOND, KY 40475-9180

Mortgage

Document Number	0000215376,
Date	May 15, 2026
Instrument	2026.215376

Lender

Name	TOP FLITE FINANCIAL

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.46%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Recording Date	May 15, 2026
Property Address	40 FORD LN, BEREA, KY 40403-8997
Document Number	0000215376
Book / Page	471 / 929
Instrument Date	Apr 30, 2026
Instrument	2026215376
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	CLEAR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 FRANCES DR, RICHMOND, KY 40475-9180

Mortgage

Document Number	0000215376,
Date	May 15, 2026
Book Page	471/929
Instrument	2026215376

Lender

Name	TOP FLITE FINANCIAL

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.46%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GARRARD KY
Recording Date	Jul 1, 2021
Property Address	40 FORD LN, BEREA, KY 40403-8997
Document Number	00D310/480
Book / Page	D310 / 480
Map Reference	DB 299 PG 704
Instrument Date	Jun 20, 2021
Instrument	162613
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Tax	$335.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	545 GREENS CROSSING RD, RICHMOND, KY 40475-9012

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 FORD LN, BEREA, KY 40403-8997

Tax Assessment & Valuation

Source: Garrard County assessment roll, as of May 5, 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Garrard County
Unified School District	Garrard County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$370,000 (+10.45%) Land $50,000 Building $320,000	$370,000 (+10.45%) Land $50,000 Building $320,000
2025	$3,414.00 (-0.5%)	$335,000 (-) Land $50,000 Building $285,000	$335,000 (-) Land $50,000 Building $285,000
2024	$3,431.00 (-2.83%)	$335,000 (-) Land $50,000 Building $285,000	$335,000 (-) Land $50,000 Building $285,000
2023	$3,531.00 (-0.95%)	$335,000 (-) Land $50,000 Building $285,000	$335,000 (-) Land $50,000 Building $285,000
2022	$3,565.00	$335,000 Land $50,000 Building $285,000	$335,000 Land $50,000 Building $285,000

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1991–2010)
Claims Outside the SFHA	1 of 2
Most Recent Claim	May 2010 · Severe Storms, Flooding, Mudslides, And Tornadoes

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	Moderate above 40% of the US · above 70% of Kentucky
Wildfire Likelihood	0.07% 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	WESTERN ROCKCASTLE WATER ASSOC private · serves 12,623 people · EPA ID KY1020891
Water Source	Purchased surface water from several systems
Last State Inspection	Aug 2025
Lead	2 ppb (2024–2026) 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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	200 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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