401 Pinnacle St, Berea, KY 40403 Property Records

Madison County property record for 401 Pinnacle St, Berea, KY 40403 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,650 sqft · built 1982
Owner	Individual Name on File
Last Sale	$200,000 (Jun 2021)
Tax Bill	$1,886 (2025)
Deeds & Mortgages	Jun 2021 Second Mortgage Jun 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`B008-0016-0016`

Property Details

APN / Parcel Number

Primary APN	`B008-0016-0016`
Alternative APNs	`118850` `81900` `48323`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,650 sqft Living Area

Exterior

Year Built	Built 1982
Exterior Material	Brick Veneer
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	48323
Street Address	401 PINNACLE ST
City	BEREA
State	KY
Zip	40403-1021
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MOUNTAIN VIEW LOT 8A
Legal Subdivision	MT VIEW
Legal Lot Number	8A
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	3
Census Block	3005
Census Tract	11202

Owner

Source: Madison County records · APN B008-0016-0016

Assessment roll updated April 1, 2025 · Last verified December 2025

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	401 PINNACLE ST, BEREA, KY 40403-1021
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LEXINGTON-FAYETTE URBAN COUNTY GOV
Jun 22, 2021	Deed, Transfer · Conventional Mortgage STOCKTON MORTGAGE CORP
Oct 16, 2019	Deed, Transfer · Conventional Mortgage PARK COMMUNITY FCU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 22, 2021 · Amount on Record
Deed Sale	Jun 22, 2021 · Amount on Record
Prior Sale	Oct 16, 2019 · Amount on Record
Deed Document Number	2014042094
Deed Book / Page	D807 / 303
Record Updated	Jun 08, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	401 PINNACLE ST, BEREA, KY 40403-1021
Transaction Type	Mortgage
Record Updated	Jul 14, 2021
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2066/201
Date	Jun 22, 2021
Book Page	M2066/201
Instrument	2014042096

Lender

Name	LEXINGTON-FAYETTE URBAN COUNTY GOV
Type	Government Agency
Address	FRANKFORT, KY 40601

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jul 01, 2031

June 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Jun 22, 2021
Property Address	401 PINNACLE ST, BEREA, KY 40403-1021
Document Number	D807/303
Book / Page	D807 / 303
Map Reference	MB 2 PG 60
Instrument Date	Jun 18, 2021
Instrument	2014042094
Transaction Type	Transfer
Record Updated	Jul 14, 2021
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	222 OLD WALLACETON RD, 222, BEREA, KY 40403-8758

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	401 PINNACLE ST, BEREA, KY 40403-1021

Mortgage

Document Number	2014042095
Date	Jun 22, 2021
Instrument	2014042095

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2051

October 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Oct 16, 2019
Property Address	401 PINNACLE ST, BEREA, KY 40403-1021
Document Number	D00780/022
Book / Page	D00780 / 022
Map Reference	MB 6 PG 202
Instrument Date	Oct 15, 2019
Instrument	2014000732
Transaction Type	Transfer
Record Updated	Dec 17, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$174.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	156 KANASGOWA DR, 156, BREVARD, NC 28712-9007

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 PINNACLE ST, BEREA, KY 40403-1021

Mortgage

Document Number	2014000733
Date	Oct 16, 2019
Instrument	2014000733

Lender

Name	PARK COMMUNITY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 01, 2029
Change Frequency	Annually
Index	10-Year TN
Max Rate	9.75%

Tax Assessment & Valuation

Source: Madison County records · Assessment roll updated April 1, 2025 · Last verified December 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,886.00 (-2.78%) Additional exemption filed	$200,000 (-)	$200,000 (-)
2023	$1,940.00	$200,000	$200,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Madison County (21151C), updated December 21, 2017 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211510112023, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 10 individual NFIP policies nearby
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	10 in force

Wildfire

Wildfire Risk	Low above 35% of the US · above 67% of Kentucky
Wildfire Likelihood	About 1 in 3,125 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 234 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Metronet Holdings	Fiber	5,120 / 5,120
Uniti Group	Fiber	2,000 / 2,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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