Madison County property record for 400 Pepper Dr, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.41 acres (17,860 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $250,000 (May 2022) |
| Tax Bill | $2,357 (2025) |
| Deeds & Mortgages | May 2019 Mortgage May 2022 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0073-0002-0023 |
| Primary APN | 0073-0002-0023 |
|---|---|
| Alternative APNs |
|
| Lot Area | 17,860 sqft (0.41 acres) |
|---|
| Account Number | 40975 |
|---|---|
| Street Address | 400 PEPPER DR |
| City | BEREA |
| State | KY |
| Zip | 40403-8037 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUGARVILLE MEADOWS LOT 23 |
| Legal Subdivision | SUGARVILLE |
| Legal Block | 3 |
| Legal Lot Number | 23 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 11101 |
Source: Madison County records, 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 Record |
|---|---|
| Mailing Address | 400 PEPPER DR, BEREA, KY 40403-8037 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 31, 2019 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK |
| May 9, 2022 | Deed, Transfer · Conventional Mortgage GENEVA FINANCIAL LLC |
| Feb 27, 2020 | Deed, Transfer · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC |
| Aug 28, 2018 | Warranty Deed, Transfer |
| Dec 26, 2018 | Correction Deed · Construction Mortgage CITIZENS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 9, 2022 · Amount on Record |
| Deed Sale | May 9, 2022 · Amount on Record |
| Prior Sale | Feb 27, 2020 · Amount on Record |
| Deed Document Number | 202214091032 |
| Deed Book / Page | 823 / 4 |
| Prior Transfer Date | Aug 23, 2018 |
| Prior Transfer Doc | D00768/302 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 400 PEPPER DR, BEREA, KY 40403-8037 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | M01865/786 |
|---|---|
| Date | May 31, 2019 |
| Book Page | M01865/786 |
| Instrument | 2013993289 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Address | MOUNT VERNON, KY 40456 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jun 1, 2039 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | May 9, 2022 |
| Property Address | 400 PEPPER DR, BEREA, KY 40403-8037 |
| Document Number | 0000D823/4 |
| Book / Page | D823 / 4 |
| Map Reference | MB 14 PG 174 |
| Instrument Date | Apr 29, 2022 |
| Instrument | 2014091032 |
| Transaction Type | Transfer |
| Record Updated | Feb 17, 2023 |
| Title Company | LAND GROUP R/E TITLE AND CLOSINGS, LAND GROUP RE TTL & CLOSING |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $250.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 132 KENSINGTON PL, RICHMOND, KY 40475-8049 |
| Name | Verified Name |
|---|---|
| Address | 400 PEPPER DR, BEREA, KY 40403-8037 |
| Document Number | 2014091033 |
|---|---|
| Date | May 9, 2022 |
| Instrument | 2014091033 |
| Name | GENEVA FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Feb 27, 2020 |
| Property Address | 400 PEPPER DR, BEREA, KY 40403-8037 |
| Document Number | 0D00785/86 |
| Book / Page | D00785 / 86 |
| Map Reference | MB 14 PG 174 |
| Instrument Date | Feb 21, 2020 |
| Instrument | 2014008011 |
| Transaction Type | Transfer |
| Record Updated | Feb 17, 2023 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $175.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1604 MERLOT CT, BEREA, KY 40403-8049 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 400 PEPPER DR, BEREA, KY 40403-8037 |
| Document Number | 2014008012 |
|---|---|
| Date | Feb 27, 2020 |
| Instrument | 2014008012 |
| Name | ARK-LA-TEX FINANCIAL SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Aug 28, 2018 |
| Property Address | 400 PEPPER DR, BEREA, KY 40403-8037 |
| Document Number | D00763/703 |
| Book / Page | D00763 / 703 |
| Map Reference | MB14 PG174 |
| Instrument Date | Aug 23, 2018 |
| Instrument | 2013981006 |
| Transaction Type | Transfer |
| Record Updated | Feb 17, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 1604 MERLOT CT, BEREA, KY 40403-8049 |
| Name | Verified Name |
|---|---|
| Address | 1604 MERLOT CT, BEREA, KY 40403-8049 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Dec 26, 2018 |
| Property Address | 400 PEPPER DR, BEREA, KY 40403-8037 |
| Document Number | D00768/302 |
| Book / Page | D00768 / 302 |
| Map Reference | MB 14 PG 174 |
| Instrument Date | Aug 23, 2018 |
| Instrument | 2013986380 |
| Record Updated | Feb 17, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|---|
| Address | 1604 MERLOT CT, BEREA, KY 40403-8049 |
| Name | Verified Name |
|---|---|
| Address | 1604 MERLOT CT, BEREA, KY 40403-8049 |
| Document Number | 2013986381 |
|---|---|
| Date | Dec 26, 2018 |
| Instrument | 2013986381 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 9 Months |
| Due | Sep 13, 2019 |
Source: Madison County assessment roll, as of December 9, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| Municipality | Berea City |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,357.00 (-2.8%) | $250,000 (-) | $250,000 (-) |
| 2023 | $2,425.00 | $250,000 | $250,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Community Rating System | Class 8 (10% 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 66% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.03% 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.
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 96 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Windstream Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
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