416 Oak St, Berea, KY 40403 Property Records

Madison County property record for 416 Oak St, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Details	1,850 sqft
Owner	Individual Name on File
Last Sale	$179,500 (Aug 2018)
Tax Bill	$1,560 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Jun 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`B001-0005-0009`

Property Details

APN / Parcel Number

Primary APN	`B001-0005-0009`
Alternative APNs	`114249` `77351` `43531`

Interior

Stories	1 Story
Building Area	1,850 sqft Living Area

Exterior

Exterior Material	Aluminum/Vinyl
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	43531
Street Address	416 OAK ST
City	BEREA
State	KY
Zip	40403-1423
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A W ESTRIDGE LOT 32 & PT 33
Legal Subdivision	A W ESTRIDGE
Legal Lot Number	32
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	2
Census Block	2007
Census Tract	11201

Owner

416 Oak St is owned and occupied by an individual who bought it in August 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	416 OAK ST, BEREA, KY 40403-1423
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jun 23, 2017	Deed of Trust, Mortgage PEOPLES BANK & TRUST CO OF MADISON CNTY
Jun 23, 2017	Deed of Trust, Mortgage PEOPLES BANK & TRUST CO OF MADISON CNTY
Aug 10, 2018	Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2018 · Amount on File
Deed Sale	Aug 10, 2018 · Amount on File
Deed Document Number	2013980072
Deed Book / Page	D00763 / 155
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	416 OAK ST, BEREA, KY 40403-1423
Transaction Type	Mortgage
Record Updated	Mar 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M2143/157
Date	Mar 18, 2022
Book Page	M2143/157
Instrument	2014082070

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	357 Months
Due	Dec 1, 2051

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	416 OAK ST, BEREA, KY 40403-1423
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01749/158
Date	Jun 23, 2017
Book Page	M01749/158
Instrument	2013960464

Lender

Name	PEOPLES BANK & TRUST CO OF MADISON CNTY
Type	Bank
Address	BEREA, KY 40403

Agreement

Amount	Amount on Record

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	416 OAK ST, BEREA, KY 40403-1423
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01749/154
Date	Jun 23, 2017
Book Page	M01749/154
Instrument	2013960463

Lender

Name	PEOPLES BANK & TRUST CO OF MADISON CNTY
Type	Bank
Address	BEREA, KY 40403

Agreement

Amount	Amount on Record

August 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Aug 10, 2018
Property Address	416 OAK ST, BEREA, KY 40403-1423
Document Number	D00763/155
Book / Page	D00763 / 155
Map Reference	MB1 PG61
Instrument Date	Aug 7, 2018
Instrument	2013980072
Transaction Type	Transfer
Record Updated	Dec 17, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$179.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 112, BEREA, KY 40403-0112

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 OAK ST, BEREA, KY 40403-1423

Mortgage

Document Number	2013980073
Date	Aug 10, 2018
Instrument	2013980073

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 416 Oak St was $1,560 with a homeowner's exemption.

Source: Madison County assessment roll, as of April 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
Municipality	Berea City
County	Madison County
Unified School District	Berea Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,560.00 Homeowner's exemption	$180,000	$180,000
2023	$1,741.00 Homeowner's exemption	$179,500	$179,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 416 Oak St in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 416 Oak 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	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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 208 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

May also be available: T-Mobile.

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