403 Smith Ln, Berea, KY 40403 Property Records

Madison County property record for 403 Smith Ln, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Lot Size	1.01 acres (43,996 sqft)
Owner	2 Individual Names on Record
Last Sale	$149,800 (Oct 2018)
Tax Bill	$1,412 (2025)
Deeds & Mortgages	Sep 2018 Mortgage Oct 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0085-0000-0037-H`

Property Details

APN / Parcel Number

Primary APN	`0085-0000-0037-H`
Alternative APNs	`103098` `140371` `70463`

Exterior

Lot Area	43,996 sqft (1.01 acres)

Location & Zoning

Account Number	70463
Street Address	403 SMITH LN
City	BEREA
State	KY
Zip	40403-8710
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 16 (1.01 ACRES)
Legal Subdivision	THE WQATER OF DROWNING CREEK
Legal Tract	16
Legal Lot Number	16
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	2
Census Block	2008
Census Tract	11101

Owner

Source: Madison County records, as of July 20, 2026

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	369 HOOVER LN, RICHMOND, KY 40475-9290
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2018	Deed of Trust, Mortgage PEOPLES BANK & TRUST CO OF MADISON CNTY
Oct 24, 2018	Deed, Transfer · Conventional Mortgage STOCKTON MORTGAGE CORP
Jan 4, 2017	Intrafamily Transfer, Transfer CENTRAL KENTUCKY AG CREDIT ASSN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2018 · Amount on Record
Deed Sale	Oct 24, 2018 · Amount on Record
Prior Sale	Jan 4, 2017 · Amount on Record
Deed Document Number	20182013983748
Deed Book / Page	766 / 99
Prior Transfer Date	Dec 29, 2016
Prior Transfer Doc	0D0740/001
Record Updated	Sep 20, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	403 SMITH LN, BEREA, KY 40403-8710
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01822/796
Date	Sep 6, 2018
Book Page	M01822/796
Instrument	2013981493

Lender

Name	PEOPLES BANK & TRUST CO OF MADISON CNTY
Type	Bank
Address	BEREA, KY 40403

Agreement

Amount	Amount Recorded

October 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Oct 24, 2018
Property Address	403 SMITH LN, BEREA, KY 40403-8710
Document Number	D00766/099
Book / Page	D00766 / 099
Map Reference	CAB9 SL117
Instrument Date	Oct 15, 2018
Instrument	2013983748
Transaction Type	Transfer
Record Updated	Dec 17, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$150.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2707 DREYFUS RD, 2707, WACO, KY 40385-9518

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	639 HOOVER LANE, RICHMOND, KY 40475

Mortgage

Document Number	2013983749
Date	Oct 24, 2018
Instrument	2013983749

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

January 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MADISON KY
Recording Date	Jan 4, 2017
Property Address	403 SMITH LN, BEREA, KY 40403-8710
Document Number	0D0740/001
Book / Page	D0740 / 001
Map Reference	MB27 PG295
Instrument Date	Dec 29, 2016
Instrument	952541
Transaction Type	Transfer
Record Updated	Dec 17, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$80.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5927 STATE ROUTE 123, 5927, FRANKLIN, OH 45005-4633

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 SMITH LN, BEREA, KY 40403-8710

Mortgage

Document Number	0000952542
Date	Jan 4, 2017
Instrument	952542

Lender

Name	CENTRAL KENTUCKY AG CREDIT ASSN
Type	Lending Institution

Agreement

Amount	Amount Recorded
Term	287 Months
Due	Dec 29, 2040

Tax Assessment & Valuation

Source: Madison County assessment roll, as of December 9, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Madison County
Unified School District	Madison County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,412.00 (-2.82%)	$149,800 (-)	$149,800 (-)
2023	$1,453.00	$149,800	$149,800

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

Flood

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 9 (5% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2026)
Most Recent Claim	Jun 2026 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · above 67% of Kentucky
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 48 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

May also be available: T-Mobile.

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