Madison County property record for 413 Pepper Dr, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 1,420 sqft |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $172,000 (Jun 2020) |
| Tax Bill | $1,158 (2025) |
| Deeds & Mortgages | Jun 2020 Sale & Mortgage Mar 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0073-0002-0011 |
| Primary APN | 0073-0002-0011 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,420 sqft Living Area |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Lot Area | 12,197 sqft (0.28 acres) |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 72801 |
|---|---|
| Street Address | 413 PEPPER DR |
| City | BEREA |
| State | KY |
| Zip | 40403-8037 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUGARVILLE MEADOWS LOT 11 |
| Legal Subdivision | SUGARVILLE |
| Legal Block | 3 |
| Legal Lot Number | 11 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 11101 |
Source: Madison County records, as of December 8, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 413 PEPPER DR, BEREA, KY 40403-8037 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 24, 2020 | Deed, Transfer · Conventional Mortgage 1ST TRUST BANK INC |
| Mar 9, 2018 | Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE SUPPLIERS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 24, 2020 · Amount on Record |
| Deed Sale | Jun 24, 2020 · Amount on Record |
| Prior Sale | Dec 21, 2009 · Amount on Record |
| Deed Document Number | 2014014555 |
| Deed Book / Page | D00789 / 573 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jun 24, 2020 |
| Property Address | 413 PEPPER DR, BEREA, KY 40403-8037 |
| Document Number | D00789/573 |
| Book / Page | D00789 / 573 |
| Map Reference | MB 14 PG 174 |
| Instrument Date | Jun 12, 2020 |
| Instrument | 2014014555 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $172.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 832 CONCORD RD, 832, RICHMOND, KY 40475-9208 |
| Name | Verified Name |
|---|---|
| Address | 413 PEPPER DR, BEREA, KY 40403-8037 |
| Document Number | 2014014556 |
|---|---|
| Date | Jun 24, 2020 |
| Instrument | 2014014556 |
| Name | 1ST TRUST BANK INC |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jul 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 413 PEPPER DR, BEREA, KY 40403-8037 |
| Transaction Type | Mortgage |
| Record Updated | Mar 30, 2018 |
| Name | Verified Name |
|---|
| Document Number | M01792/265 |
|---|---|
| Date | Mar 9, 2018 |
| Book Page | M01792/265 |
| Instrument | 2013972627 |
| Name | MORTGAGE SUPPLIERS INC |
|---|---|
| Type | Mortgage Company |
| Address | WINCHESTER, KY 40391 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2048 |
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 | $1,158.00 (-30.58%) Homeowner's exemption | $172,000 (-) | $172,000 (-) |
| 2023 | $1,668.00 | $172,000 | $172,000 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 4 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 67% of the US · above 66% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.03% 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 96 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 |
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