Madison County property record for 404 N Powell Ave, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,129 sqft |
| Owner | Individual Name on File |
| Last Sale | $139,000 (Dec 2017) |
| Tax Bill | $1,621 (2025) |
| Deeds & Mortgages | Sep 2023 Second Mortgage Dec 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | B008-0026-0001 |
| Primary APN | B008-0026-0001 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,129 sqft Living Area |
| Exterior Material | Brick Veneer |
|---|---|
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Garage Type | Detached |
| Garage Area | 450 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 66974 |
|---|---|
| Street Address | 404 N POWELL AVE |
| City | BEREA |
| State | KY |
| Zip | 40403-1233 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DIXIE HIGHWAY PARK LOT 218 & PT 217 |
| Legal Subdivision | DIXIE PARK |
| Legal Lot Number | 217-218 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 11202 |
404 N Powell Ave is owned and occupied by an individual who bought it in December 2017.
Source: Madison County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 404 N POWELL AVE, BEREA, KY 40403-1233 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 12, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| Dec 28, 2017 | Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 28, 2017 · Amount on File |
| Deed Sale | Dec 28, 2017 · Amount on File |
| Deed Document Number | 2013969659 |
| Deed Book / Page | D00754 / 331 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 404 N POWELL AVE, BEREA, KY 40403-1233 |
| Transaction Type | Mortgage |
| Record Updated | Oct 11, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0M2258/379 |
|---|---|
| Date | Sep 12, 2023 |
| Book Page | M2258/379 |
| Instrument | 2014166456 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | GREENWOOD, DE 19950 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 8, 2053 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Dec 28, 2017 |
| Property Address | 404 N POWELL AVE, BEREA, KY 40403-1233 |
| Document Number | D00754/331 |
| Book / Page | D00754 / 331 |
| Map Reference | MB1 PG17 |
| Instrument Date | Dec 8, 2017 |
| Instrument | 2013969659 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Title Company | FOUNDATION TITLE AND ESCROW SERI, FOUNDATION TITLE & ESCROW SE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $139.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1188 GREEN FIR LOOP, 1188, CONWAY, SC 29527-3017 |
| Name | Verified Name |
|---|---|
| Address | 404 N POWELL AVE, BEREA, KY 40403-1233 |
| Document Number | 2013969660 |
|---|---|
| Date | Dec 28, 2017 |
| Instrument | 2013969660 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2048 |
The 2025 property tax bill for 404 N Powell Ave was $1,621 with an additional exemption.
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 | $1,621.00 Additional exemption filed | $172,000 | $172,000 |
| 2023 | $1,668.00 | $172,000 | $172,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 404 N Powell Ave in Zone X, an area of minimal flood risk.
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 |
| Flood Insurance Cost | Premium on File median of 10 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 10 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.
Wildfire risk around 404 N Powell Ave is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.01% 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 | BEREA MUNICIPAL UTILITIES private · serves 9,972 people · EPA ID KY0760030 |
|---|---|
| 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, 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 284 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Windstream Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
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