Madison County property record for 407 Koa Ct, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,325 sqft |
| Lot Size | 1.36 acres (59,297 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,922 (2025) |
| Deeds & Mortgages | May 2026 Mortgage May 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0060-0002-0125 |
| Primary APN | 0060-0002-0125 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 11 Rooms |
| Stories | 1 Story |
| Building Area | 2,325 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Exterior Material | Brick |
|---|---|
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 59,297 sqft (1.36 acres) |
| Garage Type | Attached |
| Garage Area | 421 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 147 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 67447 |
|---|---|
| Street Address | 407 KOA CT |
| City | BEREA |
| State | KY |
| Zip | 40403-9585 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THE OAKS LOT 125 UNIT 2 |
| Legal Subdivision | THE OAKS |
| Legal Lot Number | 125 |
| 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 May 22, 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 | Individual Name on Record |
|---|---|
| Mailing Address | 407 KOA CT, BEREA, KY 40403-9585 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Man, Separate Property |
| Date | Document |
|---|---|
| May 12, 2026 | Deed of Trust, Mortgage · VA Mortgage AMERICAN FINANCIAL NETWORK INC |
| May 4, 2020 | Deed of Trust, Mortgage HOMETOWN BANK OF CORBIN INC |
| Sep 5, 2025 | Intrafamily Transfer, Transfer · FHA Mortgage AMERICAN FINANCIAL NETWORK INC |
| Nov 17, 2017 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 5, 2025 |
| Deed Sale | Sep 5, 2025 |
| Prior Sale | Jan 5, 2010 · Amount on Record |
| Deed Document Number | 2025283270 |
| Deed Book / Page | 872 / 611 |
| Prior Transfer Date | Aug 29, 2025 |
| Prior Transfer Doc | 00D872/611 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | May 12, 2026 |
| Property Address | 407 KOA CT, BEREA, KY 40403-9585 |
| Document Number | 0014347675 |
| Book / Page | 2467 / 82 |
| Instrument Date | May 4, 2026 |
| Instrument | 202614347675 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 407 KOA CT, BEREA, KY 40403-9585 |
| Investor | Possibly a Property Investor |
| Document Number | 0014347675, |
|---|---|
| Date | May 12, 2026 |
| Book Page | 2467/82 |
| Instrument | 202614347675 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.46% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 407 KOA CT, BEREA, KY 40403-9585 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | M01936/346 |
|---|---|
| Date | May 4, 2020 |
| Book Page | M01936/346 |
| Instrument | 2014011355 |
| Name | HOMETOWN BANK OF CORBIN INC |
|---|---|
| Type | Bank |
| Address | CORBIN, KY 40701 |
| Amount | Amount Recorded |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Sep 5, 2025 |
| Property Address | 407 KOA CT, BEREA, KY 40403-9585 |
| Document Number | 00D872/611 |
| Book / Page | D872 / 611 |
| Map Reference | CAB 21 PG 218 |
| Instrument Date | Aug 29, 2025 |
| Instrument | 2014283270 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 407 KOA CT, BEREA, KY 40403-9585 |
| Document Number | 2014283273 |
|---|---|
| Date | Sep 5, 2025 |
| Instrument | 2014283273 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2055 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Nov 17, 2017 |
| Property Address | 407 KOA CT, BEREA, KY 40403-9585 |
| Document Number | D00752/730 |
| Book / Page | D00752 / 730 |
| Map Reference | CAB 21 PG217 |
| Instrument Date | Nov 9, 2017 |
| Instrument | 2013968019 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 407 KOA CT, 407, BEREA, KY 40403-9585 |
| Name | Verified Name |
|---|---|
| Address | 400 S MAIN ST, CORBIN, KY 40701-1460 |
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 | $1,922.00 (-2.88%) Homeowner's exemption | $253,000 (-) | $253,000 (-) |
| 2024 | $1,979.00 (+4.32%) Homeowner's exemption | $253,000 (+4.55%) | $253,000 (+4.55%) |
| 2023 | $1,897.00 Homeowner's exemption | $242,000 | $242,000 |
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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