Madison County property record for 414 Richmond Rd N, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 1,300 sqft |
| Owner | Individual Name on File |
| Last Sale | $105,000 (Apr 2018) |
| Tax Bill | $1,083 (2025) |
| Deeds & Mortgages | Aug 2022 Line of Credit Feb 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | B008-0011-0017 |
| Primary APN | B008-0011-0017 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,300 sqft Living Area |
| Architectural Style | Split Level |
|---|---|
| Exterior Material | Brick Veneer |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Account Number | 71255 |
|---|---|
| Street Address | 414 RICHMOND RD N |
| City | BEREA |
| State | KY |
| Zip | 40403-1053 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MEADOWLARK LOT 3 BLK E |
| Legal Subdivision | MEADOWLARK |
| Legal Block | E |
| Legal Lot Number | 3 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 3 |
| Census Block | 3018 |
| Census Tract | 11202 |
414 Richmond Rd N is owned and occupied by an individual who bought it in April 2018.
Source: Madison County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 414 RICHMOND RD N, BEREA, KY 40403-1053 |
| 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.
| Date | Document |
|---|---|
| Aug 25, 2022 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Feb 4, 2021 | Deed of Trust, Mortgage · Conventional Mortgage STOCKTON MORTGAGE CORP |
| Apr 17, 2018 | Deed of Trust, Mortgage · FHA Mortgage CENTURY LENDING CO |
| Apr 17, 2018 | Warranty Deed, Transfer LEXINGTON-FAYETTE URBAN COUNTY GOV |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 17, 2018 · Amount on File |
| Deed Sale | Apr 17, 2018 · Amount on File |
| Deed Document Number | 2013974408 |
| Deed Book / Page | D00758 / 156 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 414 RICHMOND RD N, BEREA, KY 40403-1053 |
| Transaction Type | Mortgage |
| Record Updated | Sep 8, 2022 |
| Name | Verified Name |
|---|---|
| Address | 414 RICHMOND RD N, BEREA, KY 40403-1053 |
| Document Number | 0M2185/547 |
|---|---|
| Date | Aug 25, 2022 |
| Book Page | M2185/547 |
| Instrument | 2014108615 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | DAYTON, OH 45401 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Aug 3, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 414 RICHMOND RD N, BEREA, KY 40403-1053 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2021 |
| Title Company | EXECUTIVE TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | M2019/277 |
|---|---|
| Date | Feb 4, 2021 |
| Book Page | M2019/277 |
| Instrument | 2014028881 |
| Name | STOCKTON MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | FRANKFORT, KY 40601 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 414 RICHMOND RD N, BEREA, KY 40403-1053 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2018 |
| Name | Verified Name |
|---|
| Document Number | M01798/559 |
|---|---|
| Date | Apr 17, 2018 |
| Book Page | M01798/559 |
| Instrument | 2013974409 |
| Name | CENTURY LENDING CO |
|---|---|
| Type | Lending Institution |
| Address | LOUISVILLE, KY 40223 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Apr 17, 2018 |
| Property Address | 414 RICHMOND RD N, BEREA, KY 40403-1053 |
| Document Number | D00758/156 |
| Book / Page | D00758 / 156 |
| Map Reference | CAB 1 SL262 |
| Instrument Date | Apr 5, 2018 |
| Instrument | 2013974408 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Title Company | EXECUTIVE TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 414 RICHMOND RD N, 414, BEREA, KY 40403-1053 |
| Name | Verified Name |
|---|---|
| Address | 414 RICHMOND RD N, BEREA, KY 40403-1053 |
| Document Number | 2013974410 |
|---|---|
| Date | Apr 17, 2018 |
| Instrument | 2013974410 |
| Name | LEXINGTON-FAYETTE URBAN COUNTY GOV |
|---|---|
| Type | Government Agency |
| Amount | Amount on Record |
|---|---|
| Term | 121 Months |
| Due | May 1, 2028 |
The 2025 property tax bill for 414 Richmond Rd N was $1,083 with a homeowner's exemption.
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 | $1,083.00 Homeowner's exemption | $140,000 | $140,000 |
| 2023 | $767.00 Homeowner's exemption | $105,000 | $105,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 414 Richmond Rd N in Zone X, an area of minimal flood risk.
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 |
| Flood Insurance Cost | Premium on File median of 10 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 10 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.
Wildfire risk around 414 Richmond Rd N 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.
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 284 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Windstream Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
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