Madison County property record for 401 Pepper Dr, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 1,026 sqft |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $192,500 (Nov 2022) |
| Tax Bill | $1,815 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Nov 2022 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0073-0002-0009 |
| Primary APN | 0073-0002-0009 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,026 sqft Living Area |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,019 sqft (0.23 acres) |
| Garage Type | Attached |
| Garage Area | 260 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 74300 |
|---|---|
| Street Address | 401 PEPPER DR |
| City | BEREA |
| State | KY |
| Zip | 40403-8037 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUGARVILLE MEADOWS LOT 9 |
| Legal Subdivision | SUGARVILLE |
| Legal Block | 3 |
| Legal Lot Number | 9 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 11101 |
Source: Madison County records, as of June 19, 2026
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 |
|---|---|
| Mailing Address | 401 PEPPER DR, BEREA, KY 40403-8037 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 24, 2026 | Warranty Deed, Transfer · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC |
| Nov 21, 2022 | Deed, Transfer BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Apr 13, 2018 | Deed, Transfer · FHA Mortgage QUICKEN LOANS INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 21, 2022 · Amount on Record |
| Deed Sale | Nov 21, 2022 · Amount on Record |
| Prior Sale | Apr 13, 2018 · Amount on Record |
| Deed Document Number | 202214120621 |
| Deed Book / Page | 831 / 741 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jul 24, 2026 |
| Property Address | 401 PEPPER DR, BEREA, KY 40403-8037 |
| Document Number | 0014364456 |
| Book / Page | 886 / 14 |
| Instrument Date | Jul 23, 2026 |
| Instrument | 202614364456 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2026 |
| Title Company | SPRINGDALE TITLE LLC, SPRINGDALE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $23,735.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 401 PEPPER DR, BEREA, KY 40403-8037 |
| Document Number | 0014364456, |
|---|---|
| Date | Jul 24, 2026 |
| Book Page | 2486/733 |
| Instrument | 202614364456 |
| Name | ARK-LA-TEX FINANCIAL SERVICES LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.52% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Nov 21, 2022 |
| Property Address | 401 PEPPER DR, BEREA, KY 40403-8037 |
| Document Number | 00D831/741 |
| Book / Page | D831 / 741 |
| Map Reference | MB 14 PG 174 |
| Instrument Date | Nov 18, 2022 |
| Instrument | 2014120621 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Title Company | BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $192.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1355 MCWHORTER RD, LONDON, KY 40741-8705 |
| Name | Verified Name |
|---|---|
| Address | 520 LITTLE BUCK CRK, IRVINE, KY 40336-8179 |
| Investor | Possibly a Property Investor |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Apr 13, 2018 |
| Property Address | 401 PEPPER DR, BEREA, KY 40403-8037 |
| Document Number | D00758/062 |
| Book / Page | D00758 / 062 |
| Map Reference | MB14 PG174 |
| Instrument Date | Apr 6, 2018 |
| Instrument | 2013974270 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $135.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 130 JIM RIDGE RD, NANCY, KY 42544-6552 |
| Name | Verified Name |
|---|---|
| Address | 401 PEPPER DR EREA KY, BEREA, KY 40403 |
| Document Number | 2013974271 |
|---|---|
| Date | Apr 13, 2018 |
| Instrument | 2013974271 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2048 |
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 | $1,815.00 (-2.79%) | $192,500 (-) | $192,500 (-) |
| 2023 | $1,867.00 | $192,500 | $192,500 |
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 500 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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