Madison County property record for 404 Ballard Rd, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,334 sqft |
| Lot Size | 1 acres (43,841 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,895 (2025) |
| Deeds & Mortgages | May 2018 Mortgage Jun 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0059-0002-0032 |
| Primary APN | 0059-0002-0032 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,334 sqft Living Area |
| Exterior Material | Brick Veneer |
|---|---|
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 43,841 sqft (1 acres) |
| Garage Type | Attached |
| Garage Area | 350 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 46496 |
|---|---|
| Street Address | 404 BALLARD RD |
| City | BEREA |
| State | KY |
| Zip | 40403-8722 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WELCHWOOD ESTS LOT 28 PH 1 SEC 2 |
| Legal Subdivision | WELCHWOOD |
| Legal Phase | 1 |
| Legal Lot Number | 28 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 11402 |
Source: Madison County records · APN 0059-0002-0032
Assessment roll updated December 9, 2025 · Last verified August 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 File |
|---|---|
| Mailing Address | 404 BALLARD RD, BEREA, KY 40403-8722 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 02, 2018 | Deed of Trust, Mortgage · FHA Mortgage STOCKTON MORTGAGE CORP |
| Jun 05, 2017 | Deed of Trust, Mortgage · Commercial Mortgage CITIZENS GUARANTY BANK |
| May 25, 2021 | Intrafamily Transfer, Transfer · FHA Mortgage AMERIHOME MORTGAGE COMPANY LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 25, 2021 |
| Deed Sale | May 25, 2021 |
| Prior Sale | Feb 17, 2012 · Amount on Record |
| Deed Document Number | 20212014038122 |
| Deed Book / Page | 805 / 686 |
| Prior Transfer Date | Feb 11, 2021 |
| Prior Transfer Doc | 00D805/686 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 404 BALLARD RD, BEREA, KY 40403-8722 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2023 |
| Title Company | BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | M01801/272 |
|---|---|
| Date | May 02, 2018 |
| Book Page | M01801/272 |
| Instrument | 2013975192 |
| Name | STOCKTON MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | FRANKFORT, KY 40601 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 404 BALLARD RD, BEREA, KY 40403-8722 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2023 |
| Name | Verified Name |
|---|
| Document Number | M01745/497 |
|---|---|
| Date | Jun 05, 2017 |
| Book Page | M01745/497 |
| Instrument | 2013959598 |
| Name | CITIZENS GUARANTY BANK |
|---|---|
| Type | Bank |
| Address | BEREA, KY 40403 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jun 01, 2027 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | May 25, 2021 |
| Property Address | 404 BALLARD RD, BEREA, KY 40403-8722 |
| Document Number | 00D805/686 |
| Book / Page | D805 / 686 |
| Map Reference | CAB 9 SL 155 |
| Instrument Date | Feb 11, 2021 |
| Instrument | 2014038122 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2023 |
| Title Company | ORANGE COAST LENDER SERVICES LLC, ORANGE COAST LENDER SERVICES |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 404 BALLARD RD, BEREA, KY 40403-8722 |
| Name | Verified Name |
|---|---|
| Address | 404 BALLARD RD, BEREA, KY 40403-8722 |
| Document Number | 2014038128 |
|---|---|
| Date | May 25, 2021 |
| Instrument | 2014038128 |
| Name | AMERIHOME MORTGAGE COMPANY LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Mar 01, 2051 |
Source: Madison County records · Assessment roll updated December 9, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Madison County |
| Unified School District | Madison County 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 | $1,895.00 (+6.76%) | $201,000 (+9.84%) | $201,000 (+9.84%) |
| 2023 | $1,775.00 (-0.28%) | $183,000 (-) | $183,000 (-) |
| 2022 | $1,780.00 | $183,000 | $183,000 |
Source: FEMA National Flood Hazard Layer as of December 21, 2017 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Low lower than 64% of the US · above 67% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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 as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Holdings Fiber | 5,120 / 5,120 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Uniti Group DSL | 200 / 20 |
Based on FCC filings for 76 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | KIRKSVILLE WATER ASSOCIATION private · serves 5,940 people |
|---|---|
| Water Source | Purchased surface water from RICHMOND UTILITIES |
| Last State Inspection | Nov 2024 |
| Lead | Under 1 ppb (2021–2023) 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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