408 Oak St, Berea, KY 40403 Property Records

Madison County property record for 408 Oak St, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Details	1,326 sqft
Lot Size	0.81 acres (35,301 sqft)
Owner	Individual Name on File
Last Sale	$130,000 (Dec 2005)
Tax Bill	$2,026 (2025)
Deeds & Mortgages	May 2021 Transfer May 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`B001-0005-0007-A`

Property Details

APN / Parcel Number

Primary APN	`B001-0005-0007-A`
Alternative APNs	`131400` `94251` `61218`

Interior

Stories	1 Story
Building Area	1,326 sqft Living Area

Exterior

Exterior Material	Brick
Lot Area	35,301 sqft (0.81 acres)
Garage Type	Attached
Garage Area	1,500 sqft
Parking Spaces	5 Parking Spaces
Total Buildings	2 Buildings

Location & Zoning

Account Number	61218
Street Address	408 OAK ST
City	BEREA
State	KY
Zip	40403-1423
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A W ESTRIDGE LOTS 35, 36, 37, & 38
Legal Subdivision	A W ESTRIDGE
Legal Lot Number	35-37
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	2
Census Block	2007
Census Tract	11201

Owner

408 Oak St is owned and occupied by an individual who bought it in December 2005.

Source: Madison County records, as of December 9, 2025

Owner of Record	Individual Name on File
Mailing Address	408 OAK ST, BEREA, KY 40403-1423
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.

Deeds, Mortgages & Sale History

Date	Document
May 17, 2021	Intrafamily Transfer, Transfer
May 17, 2021	Intrafamily Transfer, Transfer
May 17, 2021	Intrafamily Transfer, Transfer
May 17, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 29, 2005 · Amount on File
Deed Sale	Dec 29, 2005 · Amount on File
Deed Document Number	2005360119
Deed Book / Page	0601 / 82
Prior Transfer Date	Dec 25, 2005
Prior Transfer Doc	D0601/082
Record Updated	Oct 29, 2026

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MADISON KY
Recording Date	May 17, 2021
Property Address	408 OAK ST, BEREA, KY 40403-1423
Document Number	D805/254
Book / Page	D805 / 254
Instrument Date	May 11, 2021
Instrument	2014037047
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	771 W JEFFERSON ST, 771, BEREA, KY 40403-1479

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 OAK ST, BEREA, KY 40403-1423

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MADISON KY
Recording Date	May 17, 2021
Property Address	408 OAK ST, BEREA, KY 40403-1423
Document Number	D805/251
Book / Page	D805 / 251
Instrument Date	May 11, 2021
Instrument	2014037046
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	771 W JEFFERSON ST, 771, BEREA, KY 40403-1479

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 OAK ST, BEREA, KY 40403-1423

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MADISON KY
Recording Date	May 17, 2021
Property Address	408 OAK ST, BEREA, KY 40403-1423
Document Number	D805/248
Book / Page	D805 / 248
Instrument Date	May 11, 2021
Instrument	2014037045
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	771 W JEFFERSON ST, 771, BEREA, KY 40403-1479

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 OAK ST, BEREA, KY 40403-1423

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MADISON KY
Recording Date	May 17, 2021
Property Address	408 OAK ST, BEREA, KY 40403-1423
Document Number	D805/245
Book / Page	D805 / 245
Instrument Date	May 11, 2021
Instrument	2014037044
Transaction Type	Transfer
Record Updated	Jun 28, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	771 W JEFFERSON ST, 771, BEREA, KY 40403-1479

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 OAK ST, BEREA, KY 40403-1423

Tax Assessment & Valuation

The 2025 property tax bill for 408 Oak St was $2,026.

Source: Madison County assessment roll, as of December 9, 2025

Property Jurisdictions

Type	Name
State	Kentucky
Municipality	Berea City
County	Madison County
Unified School District	Berea Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,026.00	$170,000	$170,000
2023	$1,857.00	$142,000	$142,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 408 Oak 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

Wildfire risk around 408 Oak St is low, with a 0.02% 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	0.02% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 208 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

May also be available: T-Mobile.

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