Madison County property record for 411 Koa Ct, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,963 sqft |
| Owner | Individual Name on Record |
| Last Sale | $500,000 (Feb 2025) |
| Tax Bill | $3,479 (2025) |
| Deeds & Mortgages | Dec 2017 Line of Credit Feb 2025 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0060-0002-0124 |
| Primary APN | 0060-0002-0124 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,963 sqft Living Area |
| Exterior Material | Brick Veneer |
|---|---|
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Garage Type | Attached |
| Garage Area | 646 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 157 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 59114 |
|---|---|
| Street Address | 411 KOA CT |
| City | BEREA |
| State | KY |
| Zip | 40403-9585 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THE OAKS LOT 124 UNIT 2 |
| Legal Subdivision | THE OAKS |
| Legal Lot Number | 124 |
| 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 January 19, 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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 411 KOA CT, BEREA, KY 40403-9585 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 12, 2017 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Feb 19, 2025 | Deed, Transfer · VA Mortgage NBKC BANK |
| Jan 21, 2022 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jan 10, 2022 | Deed, Construction Loan · Construction Mortgage COMMUNITY TRUST BANK INC |
| Sep 4, 2020 | Warranty Deed, Transfer · FHA Mortgage US BANK NA |
| Sep 4, 2020 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 19, 2025 · Amount on Record |
| Deed Sale | Feb 19, 2025 · Amount on Record |
| Prior Sale | Jan 21, 2022 · Amount on Record |
| Deed Document Number | 2014246558 |
| Deed Book / Page | D864 / 174 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 411 KOA CT, BEREA, KY 40403-9585 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|
| Document Number | M01779/224 |
|---|---|
| Date | Dec 12, 2017 |
| Book Page | M01779/224 |
| Instrument | 2013969001 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | Nov 17, 2037 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Feb 19, 2025 |
| Property Address | 411 KOA CT, BEREA, KY 40403-9585 |
| Document Number | 00D864/174 |
| Book / Page | D864 / 174 |
| Map Reference | CAB 21 SL 218 |
| Instrument Date | Jan 10, 2025 |
| Instrument | 2014246558 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Title Company | CLEAR TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $500.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 284 TAHOE WAY, RICHMOND, KY 40475-7957 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 411 KOA CT, BEREA, KY 40403-9585 |
| Document Number | 2014246559 |
|---|---|
| Date | Feb 19, 2025 |
| Instrument | 2014246559 |
| Name | NBKC BANK |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jan 21, 2022 |
| Property Address | 411 KOA CT, BEREA, KY 40403-9585 |
| Document Number | 00D817/477 |
| Book / Page | D817 / 477 |
| Map Reference | CAB 21 SL 218 |
| Instrument Date | Jan 14, 2022 |
| Instrument | 2014073443 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Title Company | SPRINGDALE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $344.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 411 KOA CT, BEREA, KY 40403-9585 |
| Document Number | 2014073444 |
|---|---|
| Date | Jan 21, 2022 |
| Instrument | 2014073444 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Feb 1, 2042 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jan 10, 2022 |
| Property Address | 411 KOA CT, BEREA, KY 40403-9585 |
| Document Number | 00D817/477 |
| Book / Page | D817 / 477 |
| Map Reference | CAB 30 PG 15 |
| Instrument Date | Jan 7, 2022 |
| Instrument | 2014071495 |
| Transaction Type | Construction Loan |
| Record Updated | Jan 20, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $40.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 324 OLD GARRARD RD, BEREA, KY 40403-6507 |
| Name | Verified Name |
|---|---|
| Address | 2710 PINE GROVE RD, PARIS, KY 40361-9002 |
| Document Number | 2014071496 |
|---|---|
| Date | Jan 10, 2022 |
| Instrument | 2014071496 |
| Name | COMMUNITY TRUST BANK INC |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jan 7, 2023 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Sep 4, 2020 |
| Property Address | 411 KOA CT, BEREA, KY 40403-9585 |
| Document Number | D00793/634 |
| Book / Page | D00793 / 634 |
| Instrument Date | Sep 1, 2020 |
| Instrument | 2014019698 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $300.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 411 KOA CT, BEREA, KY 40403-9585 |
| Investor | Possibly a Property Investor |
| Document Number | 2014019699 |
|---|---|
| Date | Sep 4, 2020 |
| Instrument | 2014019699 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Sep 4, 2020 |
| Property Address | 411 KOA CT, BEREA, KY 40403-9585 |
| Document Number | D00793/638 |
| Book / Page | D00793 / 638 |
| Map Reference | CAB 29 PG 132 |
| Instrument Date | Sep 1, 2020 |
| Instrument | 2014019700 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $100.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 252 JOLLY RIDGE RD, RICHMOND, KY 40475-9749 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 411 KOA CT, BEREA, KY 40403-9585 |
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 | $3,479.00 (-2.79%) Additional exemption filed | $369,000 (-) | $369,000 (-) |
| 2023 | $3,579.00 | $369,000 | $369,000 |
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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