Madison County property record for 405 Koa Ct, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,843 sqft |
| Owner | Individual Name on Record |
| Last Sale | $250,900 (Apr 2021) |
| Tax Bill | $2,365 (2025) |
| Deeds & Mortgages | Apr 2021 Sale & Mortgage Aug 2018 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0060-0002-0126 |
| Primary APN | 0060-0002-0126 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,843 sqft Living Area |
| Exterior Material | Brick |
|---|---|
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Garage Type | Attached |
| Garage Area | 458 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 153 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 69798 |
|---|---|
| Street Address | 405 KOA CT |
| City | BEREA |
| State | KY |
| Zip | 40403-9585 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THE OAKS LOT 126 |
| Legal Subdivision | THE OAKS |
| Legal Lot Number | 126 |
| Legal Unit | 2 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 11401 |
Source: Madison County records, as of December 8, 2025
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 | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 405 KOA CT, BEREA, KY 40403-9585 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 6, 2021 | Deed, Transfer · FHA Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC |
| Aug 15, 2018 | Deed of Trust, Mortgage PEOPLES BANK & TRUST CO OF MADISON CNTY |
| Jan 12, 2017 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Apr 10, 2017 | Warranty Deed, Transfer · Conventional Mortgage WHITAKER BANK INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 6, 2021 · Amount on Record |
| Deed Sale | Apr 6, 2021 · Amount on Record |
| Prior Sale | Apr 10, 2017 · Amount on Record |
| Deed Document Number | 2014032937 |
| Deed Book / Page | D803 / 317 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Apr 6, 2021 |
| Property Address | 405 KOA CT, BEREA, KY 40403-9585 |
| Document Number | 00D803/317 |
| Book / Page | D803 / 317 |
| Map Reference | CAB 21 SL 218 |
| Instrument Date | Mar 31, 2021 |
| Instrument | 2014032937 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $251.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 178 GABBARDTOWN RD, 178, BEREA, KY 40403-9215 |
| Name | Verified Name |
|---|---|
| Address | 405 KOA CT, BEREA, KY 40403-9585 |
| Document Number | 2014032938 |
|---|---|
| Date | Apr 6, 2021 |
| Instrument | 2014032938 |
| Name | ARK-LA-TEX FINANCIAL SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 405 KOA CT, BEREA, KY 40403-9585 |
| Transaction Type | Mortgage |
| Record Updated | Sep 4, 2018 |
| Name | Verified Name |
|---|
| Document Number | M01819/301 |
|---|---|
| Date | Aug 15, 2018 |
| Book Page | M01819/301 |
| Instrument | 2013980282 |
| Name | PEOPLES BANK & TRUST CO OF MADISON CNTY |
|---|---|
| Type | Bank |
| Address | BEREA, KY 40403 |
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 405 KOA CT, BEREA, KY 40403-9585 |
| Transaction Type | Mortgage |
| Record Updated | Apr 19, 2017 |
| Name | Verified Name |
|---|
| Document Number | , 2013953007 |
|---|---|
| Date | Jan 12, 2017 |
| Book Page | M01723/365 |
| Instrument | 2013953007 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 336 Months |
| Due | Jan 1, 2045 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Apr 10, 2017 |
| Property Address | 405 KOA CT, BEREA, KY 40403-9585 |
| Document Number | D00743/260 |
| Book / Page | D00743 / 260 |
| Map Reference | CAB21 SL218 |
| Instrument Date | Apr 7, 2017 |
| Instrument | 2013956961 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $190.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 120 BRYSON WAY, 120, RICHMOND, KY 40475-7999 |
| Name | Verified Name |
|---|---|
| Address | 405 KOA CT, BEREA, KY 40403-9585 |
| Document Number | 2013956962 |
|---|---|
| Date | Apr 10, 2017 |
| Instrument | 2013956962 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2047 |
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 | $2,365.00 (-2.79%) Additional exemption filed | $250,900 (-) | $250,900 (-) |
| 2023 | $2,433.00 | $250,900 | $250,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 8 (10% premium discount) |
| Nearby Flood Policies | 3 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · above 66% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.02% 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 | 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 155 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 |
| Verizon Fixed Wireless | 300 / 20 |
| Windstream DSL | 200 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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