Madison County property record for 414 Chestnut St, Berea, KY 40403
| Property Type | Commercial Office |
|---|---|
| Details | 1,008 sqft |
| Lot Size | 0.055 acres (2,400 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $91,000 (Aug 2019) |
| Tax Bill | $1,633 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Sep 2025 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | B006-0015-0036 |
| Primary APN | B006-0015-0036 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,008 sqft Total Area |
| Office | 2,424 sqft |
| Exterior Material | Brick Veneer |
|---|---|
| Lot Area | 2,400 sqft (0.055 acres) |
| Lot Dimensions | 100 ft deep x 24 ft wide |
| Account Number | 60075 |
|---|---|
| Street Address | 414 CHESTNUT ST |
| City | BEREA |
| State | KY |
| Zip | 40403-1511 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Commercial Office |
| Legal Description | 24 X 100 |
| Legal Subdivision | CHESTNUT |
| 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.
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 |
|---|---|
| Mailing Address | 414 CHESTNUT ST, BEREA, KY 40403-1511 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 1, 2025 | Deed of Trust, Mortgage · Non-Conforming Investor Loan WHITAKER BANK INC |
| Sep 17, 2025 | Deed of Trust, Mortgage · Line of Credit WHITAKER BANK INC |
| Mar 6, 2024 | Deed of Trust, Mortgage · Commercial Mortgage WHITAKER BANK INC |
| Mar 16, 2020 | Deed of Trust, Mortgage PEOPLES BANK & TRUST CO OF MADISON CNTY |
| Jun 3, 2021 | Deed of Trust, Mortgage · Line of Credit WHTAKER BANK INC |
| Aug 14, 2019 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 14, 2019 · Amount on Record |
| Deed Sale | Aug 14, 2019 · Amount on Record |
| Deed Document Number | 2013997043 |
| Deed Book / Page | D00777 / 245 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 414 CHESTNUT ST, BEREA, KY 40403-1511 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2025 |
| Name | Verified Name |
|---|---|
| Address | 414 CHESTNUT ST, BEREA, KY 40403-1511 |
| Document Number | 0M2413/697 |
|---|---|
| Date | Oct 1, 2025 |
| Book Page | M2413/697 |
| Instrument | 2014289220 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40555 |
| Type | Non-Conforming Investor Loan |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Sep 29, 2035 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 414 CHESTNUT ST, BEREA, KY 40403-1511 |
| Transaction Type | Mortgage |
| Record Updated | Oct 1, 2025 |
| Name | Verified Name |
|---|---|
| Address | 414 CHESTNUT ST, BEREA, KY 40403-1511 |
| Document Number | 0M2410/386 |
|---|---|
| Date | Sep 17, 2025 |
| Book Page | M2410/386 |
| Instrument | 2014285776 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40555 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Sep 12, 2026 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 414 CHESTNUT ST, BEREA, KY 40403-1511 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2024 |
| Name | Verified Name |
|---|---|
| Address | 414 CHESTNUT ST, BEREA, KY 40403-1511 |
| Document Number | 0M2286/256 |
|---|---|
| Date | Mar 6, 2024 |
| Book Page | M2286/256 |
| Instrument | 2014193508 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40555 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Mar 1, 2034 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 414 CHESTNUT ST, BEREA, KY 40403-1511 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2021 |
| Name | Verified Name |
|---|
| Document Number | M01925/602 |
|---|---|
| Date | Mar 16, 2020 |
| Book Page | M01925/602 |
| Instrument | 2014009016 |
| Name | PEOPLES BANK & TRUST CO OF MADISON CNTY |
|---|---|
| Type | Bank |
| Address | BEREA, KY 40403 |
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 414 CHESTNUT ST, BEREA, KY 40403-1511 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2021 |
| Name | Verified Name |
|---|
| Document Number | M2060/384 |
|---|---|
| Date | Jun 3, 2021 |
| Book Page | M2060/384 |
| Instrument | 2014039385 |
| Name | WHTAKER BANK INC |
|---|---|
| Type | Non-Lending Institution |
| Address | BEREA, KY 40403 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jun 2, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Aug 14, 2019 |
| Property Address | 414 CHESTNUT ST, BEREA, KY 40403-1511 |
| Document Number | D00777/245 |
| Book / Page | D00777 / 245 |
| Instrument Date | Aug 13, 2019 |
| Instrument | 2013997043 |
| Transaction Type | Transfer |
| Record Updated | Jun 28, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $91.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 336 RIDGEVIEW DR, 336, BEREA, KY 40403-1282 |
| Name | Verified Name |
|---|---|
| Address | 214 MALLORY SPG, BEREA, KY 40403-9653 |
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 | $1,633.00 (-0.91%) Additional exemption filed | $137,000 (+8.73%) | $137,000 (+8.73%) |
| 2023 | $1,648.00 | $126,000 | $126,000 |
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
| 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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures