Madison County property record for 403 Prospect St, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 1,782 sqft |
| Owner | Individual Name on File |
| Last Sale | $174,300 (Nov 2024) |
| Tax Bill | $2,077 (2025) |
| Deeds & Mortgages | Feb 2024 Line of Credit Jun 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | B010-0009-0007 |
| Primary APN | B010-0009-0007 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,782 sqft Living Area |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Garage Type | Carport |
| Carport | Carport |
| Account Number | 58235 |
|---|---|
| Street Address | 403 PROSPECT ST |
| City | BEREA |
| State | KY |
| Zip | 40403-1726 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DESC |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 11303 |
Source: Madison County records · APN B010-0009-0007
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 |
|---|---|
| Mailing Address | 403 PROSPECT ST, BEREA, KY 40403-1726 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 02, 2024 | Deed of Trust, Mortgage · Line of Credit CUMBERLAND VALLEY NATL BANK & TRUST CO |
| Jun 01, 2021 | Deed, Subdivision Related Transfer · Conventional Mortgage COMMUNITY TRUST BANK INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 04, 2024 · Amount on Record |
| Deed Sale | Nov 04, 2024 · Amount on Record |
| Prior Sale | Jun 01, 2021 · Amount on Record |
| Deed Document Number | 2014230050 |
| Deed Book / Page | D859 / 426 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 403 PROSPECT ST, BEREA, KY 40403-1726 |
| Transaction Type | Mortgage |
| Record Updated | Feb 21, 2024 |
| Name | Verified Name |
|---|---|
| Address | 403 PROSPECT ST, BEREA, KY 40403-1726 |
| Document Number | 0M2281/200 |
|---|---|
| Date | Feb 02, 2024 |
| Book Page | M2281/200 |
| Instrument | 2014189108 |
| Name | CUMBERLAND VALLEY NATL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LONDON, KY 40743 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Jan 25, 2034 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jun 01, 2021 |
| Property Address | 403 PROSPECT ST, BEREA, KY 40403-1726 |
| Document Number | D806/160 |
| Book / Page | D806 / 160 |
| Instrument Date | May 17, 2021 |
| Instrument | 2014039002 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jun 23, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $138.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 160 WESLEY CT, 160, RICHMOND, KY 40475-8173 |
| Name | Verified Name |
|---|---|
| Address | 403 PROSPECT ST, BEREA, KY 40403-1726 |
| Document Number | 2014039003 |
|---|---|
| Date | Jun 01, 2021 |
| Instrument | 2014039003 |
| Name | COMMUNITY TRUST BANK INC |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.62% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jun 01, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 3.37% |
| Max Rate At Change | 5.62% |
| Index | 1-Year CMT |
| Max Rate | 5.62% |
Source: Madison County records · Assessment roll updated April 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Kentucky |
| Municipality | Berea City |
| County | Madison County |
| Unified School District | Berea Independent School District (PK - 12) |
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 | $2,077.00 (+15.07%) Additional exemption filed | $174,300 (+26.3%) | $174,300 (+26.3%) |
| 2023 | $1,805.00 | $138,000 | $138,000 |
Source: FEMA National Flood Hazard Layer, Madison County (21151C), updated December 21, 2017 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211510113031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 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 |
| Flood Insurance Cost | Premium on Record median of 57 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 57 in force |
| Nearby Flood Claims | 2 (2010–2025) |
| Most Recent Claim | Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides |
| Wildfire Risk | Low lower than 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 280 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Holdings Fiber | 5,120 / 5,120 |
| Uniti Group Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile USA.
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | BEREA MUNICIPAL UTILITIES private · serves 9,972 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2023 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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