Madison County property record for 414 Koa Ct, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,964 sqft |
| Owner | Individual Name on Record |
| Last Sale | $399,000 (Sep 2025) |
| Tax Bill | $2,923 (2025) |
| Deeds & Mortgages | Sep 2018 Line of Credit Sep 2020 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0060-0002-0120 |
| Primary APN | 0060-0002-0120 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 1,964 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Exterior Material | Brick Veneer |
|---|---|
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Garage Type | Attached |
| Garage Area | 460 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 31 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 66799 |
|---|---|
| Street Address | 414 KOA CT |
| City | BEREA |
| State | KY |
| Zip | 40403-9585 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THE OAKS LOT 120 UNIT 2 |
| Legal Subdivision | THE OAKS |
| Legal Lot Number | 120 |
| Legal Unit | 2 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 11401 |
Source: Madison County records, as of December 8, 2025
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 | 37945 SAWLEAF PL, MURRIETA, CA 92562-4204 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 27, 2018 | Deed of Trust, Mortgage · Line of Credit PARK COMMUNITY FCU |
| Sep 4, 2020 | Deed of Trust, Mortgage · Line of Credit PARK COMMUNITY FCU |
| Mar 1, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Aug 16, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Sep 15, 2025 | Deed, Transfer · Conventional Mortgage EZ FUNDINGS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 15, 2025 · Amount on Record |
| Deed Sale | Sep 15, 2025 · Amount on Record |
| Deed Document Number | 2014285116 |
| Deed Book / Page | D873 / 125 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 414 KOA CT, BEREA, KY 40403-9585 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2025 |
| Name | Verified Name |
|---|
| Document Number | M01826/140 |
|---|---|
| Date | Sep 27, 2018 |
| Book Page | M01826/140 |
| Instrument | 2013982467 |
| Name | PARK COMMUNITY FCU |
|---|---|
| Type | Credit Union |
| Address | LOUISVILLE, KY 40299 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 25, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 414 KOA CT, BEREA, KY 40403-9585 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2025 |
| Name | Verified Name |
|---|
| Document Number | M01975/263 |
|---|---|
| Date | Sep 4, 2020 |
| Book Page | M01975/263 |
| Instrument | 2014019675 |
| Name | PARK COMMUNITY FCU |
|---|---|
| Type | Credit Union |
| Address | LOUISVILLE, KY 40299 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Aug 25, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 414 KOA CT, BEREA, KY 40403-9585 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0M2138/195 |
|---|---|
| Date | Mar 1, 2022 |
| Book Page | M2138/195 |
| Instrument | 2014079577 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 414 KOA CT, BEREA, KY 40403-9585 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0M2320/251 |
|---|---|
| Date | Aug 16, 2024 |
| Book Page | M2320/251 |
| Instrument | 2014217505 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Sep 1, 2044 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Sep 15, 2025 |
| Property Address | 414 KOA CT, BEREA, KY 40403-9585 |
| Document Number | 00D873/125 |
| Book / Page | D873 / 125 |
| Map Reference | CAB 21 SL 218 |
| Instrument Date | Aug 28, 2025 |
| Instrument | 2014285116 |
| Transaction Type | Transfer |
| Record Updated | Sep 30, 2025 |
| Title Company | UNKNOWN, LAND GROUP TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $399.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1300 GABBARD RD, BEREA, KY 40403-8968 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 37945 SAWLEAF PL, MURRIETA, CA 92562-4204 |
| Document Number | 2014285117 |
|---|---|
| Date | Sep 15, 2025 |
| Instrument | 2014285117 |
| Name | EZ FUNDINGS INC |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2055 |
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 | $2,923.00 (-1.58%) Additional exemption filed | $310,000 (-) | $310,000 (-) |
| 2024 | $2,970.00 (+13.4%) | $310,000 (+14.81%) | $310,000 (+14.81%) |
| 2023 | $2,619.00 | $270,000 | $270,000 |
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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