Madison County property record for 404 Sage Grass Dr, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 1,666 sqft |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $175,000 (Sep 2019) |
| Tax Bill | $1,933 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Feb 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0074-011A-0019 |
| Primary APN | 0074-011A-0019 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,666 sqft Living Area |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Lot Area | 12,632 sqft (0.29 acres) |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Account Number | 62376 |
|---|---|
| Street Address | 404 SAGE GRASS DR |
| City | BEREA |
| State | KY |
| Zip | 40403-1399 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WILLOW GLEN LOT 19 |
| Legal Subdivision | WILLOW GLEN |
| Legal Lot Number | 19 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 11101 |
404 Sage Grass Dr is owned and occupied by two individuals who bought it in September 2019.
Source: Madison County records, as of May 21, 2026
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 404 SAGE GRASS DR, BEREA, KY 40403-1399 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 23, 2026 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC |
| Feb 22, 2023 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC |
| Sep 18, 2019 | Deed, Transfer · VA Mortgage SIERRA PACIFIC MORTGAGE CO INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 18, 2019 · Amount on File |
| Deed Sale | Sep 18, 2019 · Amount on File |
| Deed Document Number | 20192013998962 |
| Deed Book / Page | 778 / 502 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jul 23, 2026 |
| Property Address | 404 SAGE GRASS DR, BEREA, KY 40403-1399 |
| Document Number | 0014364222 |
| Book / Page | 2486 / 509 |
| Instrument Date | Jul 16, 2026 |
| Instrument | 202614364222 |
| Transaction Type | Mortgage |
| Record Updated | Jul 31, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Relationship | Remainderman, 286 |
| Address | 404 SAGE GRASS DR, BEREA, KY 40403-1399 |
| Investor | Possibly a Property Investor |
| Document Number | 0014364222, |
|---|---|
| Date | Jul 23, 2026 |
| Book Page | 2486/509 |
| Instrument | 202614364222 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate | 6.47% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 404 SAGE GRASS DR, BEREA, KY 40403-1399 |
| Transaction Type | Mortgage |
| Record Updated | Mar 10, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0M2218/170 |
|---|---|
| Date | Feb 22, 2023 |
| Book Page | M2218/170 |
| Instrument | 2014132793 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2053 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Sep 18, 2019 |
| Property Address | 404 SAGE GRASS DR, BEREA, KY 40403-1399 |
| Document Number | D00778/502 |
| Book / Page | D00778 / 502 |
| Map Reference | CAB 24 SL 268 |
| Instrument Date | Sep 13, 2019 |
| Instrument | 2013998962 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Title Company | JETT TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $175.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1521 PHYLLIS DR, 1521, BEREA, KY 40403-9038 |
| Name | Verified Name |
|---|---|
| Address | 404 SAGE GRASS DR, BEREA, KY 40403-1399 |
| Investor | Possibly a Property Investor |
| Document Number | 2013998963 |
|---|---|
| Date | Sep 18, 2019 |
| Instrument | 2013998963 |
| Name | SIERRA PACIFIC MORTGAGE CO INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2049 |
The 2025 property tax bill for 404 Sage Grass Dr was $1,933.
Source: Madison County assessment roll, as of December 9, 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 | $1,933.00 | $205,000 | $205,000 |
| 2023 | $1,697.00 | $175,000 | $175,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 404 Sage Grass Dr 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 |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 4 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 Sage Grass Dr is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 66% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
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 126 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: Windstream.
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