Madison County property record for 416 Estill St, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 1,470 sqft |
| Owner | Individual Name on File |
| Last Sale | $100,000 (Jun 2012) |
| Tax Bill | $2,035 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage Feb 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | B009-0012-0106 |
| Primary APN | B009-0012-0106 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,470 sqft Living Area |
| Exterior Material | Brick/Stone |
|---|
| Account Number | 54189 |
|---|---|
| Street Address | 416 ESTILL ST |
| City | BEREA |
| State | KY |
| Zip | 40403-1344 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OAK GROVE LOT 4 |
| Legal Subdivision | OAK GROVE |
| Legal Lot Number | 4 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 11303 |
416 Estill St is owned and occupied by an individual who bought it in June 2012.
Source: Madison County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 416 ESTILL ST, BEREA, KY 40403-1344 |
| 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 |
|---|---|
| Feb 11, 2022 | Deed of Trust, Mortgage · Conventional Mortgage WHITAKER BANK INC |
| Feb 23, 2021 | Deed of Trust, Mortgage · Line of Credit WHITAKER BANK INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 19, 2012 · Amount on File |
| Deed Sale | Jun 19, 2012 · Amount on File |
| Deed Document Number | 0000679518 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 416 ESTILL ST, BEREA, KY 40403-1344 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0M2133/460 |
|---|---|
| Date | Feb 11, 2022 |
| Book Page | M2133/460 |
| Instrument | 2014076843 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40509 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Mar 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 416 ESTILL ST, BEREA, KY 40403-1344 |
| Transaction Type | Mortgage |
| Record Updated | Mar 15, 2021 |
| Name | Verified Name |
|---|
| Document Number | M2024/335 |
|---|---|
| Date | Feb 23, 2021 |
| Book Page | M2024/335 |
| Instrument | 2014029758 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Address | BEREA, KY 40403 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 416 Estill St was $2,035 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 | $2,035.00 Homeowner's exemption | $265,000 | $265,000 |
| 2023 | $2,570.00 | $265,000 | $265,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 416 Estill St 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 |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 9 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 416 Estill St 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 | Direct burnable vegetation |
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 108 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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