Madison County property record for 402 Koa Ct, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,199 sqft |
| Owner | Individual Name on Record |
| Last Sale | $198,500 (Aug 2006) |
| Tax Bill | $2,007 (2025) |
| Deeds & Mortgages | Oct 2022 Line of Credit Nov 2021 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0060-0002-0114 |
| Primary APN | 0060-0002-0114 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,199 sqft Living Area |
| Exterior Material | Brick |
|---|---|
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 129 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 58971 |
|---|---|
| Street Address | 402 KOA CT |
| City | BEREA |
| State | KY |
| Zip | 40403-9585 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THE OAKS LOT 114 UNIT 2 |
| Legal Subdivision | THE OAKS |
| Legal Lot Number | 114 |
| Legal Unit | 2 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 11401 |
Source: Madison County records, as of December 8, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 402 KOA CT, BEREA, KY 40403-9585 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 26, 2022 | Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF KENTUCKY FCU |
| Nov 4, 2021 | Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC |
| May 19, 2020 | Deed of Trust, Mortgage · VA Mortgage NEWREZ LLC |
| Jul 21, 2020 | Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF KENTUCKY FCU |
| Feb 22, 2019 | Deed of Trust, Mortgage · VA Mortgage NEWREZ LLC |
| Mar 7, 2018 | Deed of Trust, Mortgage · VA Mortgage 360 MORTGAGE GROUP LLC |
| Jun 20, 2017 | Deed of Trust, Mortgage · VA Mortgage LOW VA RATES LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 28, 2006 · Amount on Record |
| Deed Sale | Aug 28, 2006 · Amount on Record |
| Prior Sale | Jun 3, 2005 · Amount on Record |
| Deed Document Number | 0000611623 |
| Deed Book / Page | 611 / 623 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 402 KOA CT, BEREA, KY 40403-9585 |
| Transaction Type | Mortgage |
| Record Updated | Nov 4, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0M2198/149 |
|---|---|
| Date | Oct 26, 2022 |
| Book Page | M2198/149 |
| Instrument | 2014117366 |
| Name | UNIVERSITY OF KENTUCKY FCU |
|---|---|
| Type | Credit Union |
| Address | LEXINGTON, KY 40509 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 25, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 402 KOA CT, BEREA, KY 40403-9585 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2021 |
| Name | Verified Name |
|---|
| Document Number | M2107/689 |
|---|---|
| Date | Nov 4, 2021 |
| Book Page | M2107/689 |
| Instrument | 2014062443 |
| Name | VILLAGE CAPITAL & INVESTMENT LLC |
|---|---|
| Type | Mortgage Company |
| Address | HENDERSON, NV 89074 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 402 KOA CT, BEREA, KY 40403-9585 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | M01940/139 |
|---|---|
| Date | May 19, 2020 |
| Book Page | M01940/139 |
| Instrument | 2014012213 |
| Name | NEWREZ LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | FORT WASHINGTON, PA 19034 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 402 KOA CT, BEREA, KY 40403-9585 |
| Transaction Type | Mortgage |
| Record Updated | Jul 31, 2020 |
| Name | Verified Name |
|---|
| Document Number | M01959/556 |
|---|---|
| Date | Jul 21, 2020 |
| Book Page | M01959/556 |
| Instrument | 2014016178 |
| Name | UNIVERSITY OF KENTUCKY FCU |
|---|---|
| Type | Credit Union |
| Address | 40609 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jul 20, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 402 KOA CT, BEREA, KY 40403-9585 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2019 |
| Title Company | AVENUE 365 LENDER SVCS LLC |
| Name | Verified Name |
|---|
| Document Number | M01848/129 |
|---|---|
| Date | Feb 22, 2019 |
| Book Page | M01848/129 |
| Instrument | 2013988642 |
| Name | NEWREZ LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | PLYMOUTH MEETING, PA 19462 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 402 KOA CT, BEREA, KY 40403-9585 |
| Transaction Type | Mortgage |
| Record Updated | Mar 16, 2018 |
| Name | Verified Name |
|---|
| Document Number | M01792/013 |
|---|---|
| Date | Mar 7, 2018 |
| Book Page | M01792/013 |
| Instrument | 2013972548 |
| Name | 360 MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Address | AUSTIN, TX 78726 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 402 KOA CT, BEREA, KY 40403-9585 |
| Transaction Type | Mortgage |
| Record Updated | Jul 6, 2017 |
| Name | Verified Name |
|---|
| Document Number | , 2013960341 |
|---|---|
| Date | Jun 20, 2017 |
| Book Page | M01748/497 |
| Instrument | 2013960341 |
| Name | LOW VA RATES LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | LINDON, UT 84042 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.75% |
| Type Change Date | Oct 1, 2022 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 3.75% |
| Index | 1-Year CMT |
| Max Rate | 7.75% |
Source: Madison County assessment roll, as of April 1, 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 | $2,007.00 (+4.21%) Homeowner's exemption | $262,000 (+6.94%) | $262,000 (+6.94%) |
| 2023 | $1,926.00 Homeowner's exemption | $245,000 | $245,000 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 3 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 66% of the US · above 66% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.02% 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 155 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Windstream DSL | 200 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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