Madison County property record for 406 Chestnut St, Berea, KY 40403
| Property Type | Commercial |
|---|---|
| Details | 1,525 sqft |
| Owner | Company Name on File |
| Last Sale | $75,000 (Mar 2015) |
| Tax Bill | $989 (2025) |
| Deeds & Mortgages | Dec 2022 Mortgage Apr 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | B006-0015-0033 |
| Primary APN | B006-0015-0033 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,525 sqft Total Area |
| Office | 1,613 sqft |
| Exterior Material | Concrete Block |
|---|
| Account Number | 48448 |
|---|---|
| Street Address | 406 CHESTNUT ST |
| City | BEREA |
| State | KY |
| Zip | 40403-1998 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | DESC |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 11201 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Berea Downtown Commercial and Residential Historic District listed 2020 · 57 contributing resources · NRIS 100005909 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
406 Chestnut St, a commercial property, is owned by a company that bought it in March 2015 and is owner-occupied.
Source: Madison County records, as of December 8, 2025
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 208 PAULINE DR STE C, C, BEREA, KY 40403-9117 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
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 |
|---|---|
| Dec 22, 2022 | Deed of Trust, Mortgage · Commercial Mortgage WHITAKER BANK INC |
| Apr 15, 2020 | Deed of Trust, Mortgage · Unknown PEOPLES BANK & TRUST CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 2, 2015 · Amount on File |
| Deed Sale | Mar 2, 2015 · Amount on File |
| Deed Document Number | 0000713362 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 406 CHESTNUT ST, BEREA, KY 40403-1998 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | 000M2209/9 |
|---|---|
| Date | Dec 22, 2022 |
| Book Page | M2209/9 |
| Instrument | 2014124695 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Address | MINNEAPOLIS, MN 55439 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 131 Months |
| Due | Nov 18, 2033 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 406 CHESTNUT ST, BEREA, KY 40403-1998 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | M01932/588 |
|---|---|
| Date | Apr 15, 2020 |
| Book Page | M01932/588 |
| Instrument | 2014010421 |
| Name | PEOPLES BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | 40430 |
| Type | Unknown |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 406 Chestnut St was $989 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 | Berea Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $989.00 Additional exemption filed | $83,000 | $83,000 |
| 2023 | $981.00 | $75,000 | $75,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 406 Chestnut St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective December 21, 2017
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 406 Chestnut St 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 |
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 364 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Windstream Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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