419 Pepper Dr, Berea, KY 40403 Property Records

Madison County property record for 419 Pepper Dr, Berea, KY 40403

Property Summary

Property TypeSingle Family Home
Details1,392 sqft
Lot Size0.33 acres (14,375 sqft)
OwnerIndividual Name on Record
Last Sale$257,000 (Oct 2023)
Tax Bill$2,423 (2025)
Deeds & MortgagesOct 2023 Sale & Mortgage
Jan 2022 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN0073-0002-0012

Property Details

APN / Parcel Number

Primary APN0073-0002-0012
Alternative APNs
  • 135602
  • 98372
  • 75275

Interior

Stories1 Story
Building Area1,392 sqft Living Area

Exterior

Exterior MaterialAluminum/Vinyl
Lot Area14,375 sqft (0.33 acres)
Garage TypeAttached
Garage Area447 sqft
Parking Spaces2 Parking Spaces

Location & Zoning

Account Number75275
Street Address419 PEPPER DR
CityBEREA
StateKY
Zip40403-8037
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSUGARVILLE MEADOWS LOT 12
Legal SubdivisionSUGARVILLE
Legal Block3
Legal Lot Number12
JurisdictionMADISON KY
Township / Civil DivisionBEREA
Census Block Group3
Census Block3006
Census Tract11101

Owner

Source: Madison County records, as of January 26, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address419 PEPPER DR, BEREA, KY 40403-8037
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 20, 2023Deed, Transfer · FHA Mortgage
SUCCESS MORTGAGE PARTNERS INC
Jan 19, 2022Warranty Deed, Transfer · USDA Mortgage
USDA
Oct 1, 2019Deed, Transfer · VA Mortgage
DAS ACQUISITION

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 20, 2023 · Amount on Record
Deed SaleOct 20, 2023 · Amount on Record
Prior SaleJan 19, 2022 · Amount on Record
Deed Document Number2014173012
Deed Book / PageD845 / 105
Record UpdatedJun 8, 2026

October 2023: Deed, Transfer

Document TypeDeed
JurisdictionMADISON KY
Recording DateOct 20, 2023
Property Address419 PEPPER DR, BEREA, KY 40403-8037
Document Number00D845/105
Book / PageD845 / 105
Map ReferenceMB 14 PG 174
Instrument DateOct 17, 2023
Instrument2014173012
Transaction TypeTransfer
Record UpdatedNov 9, 2023

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$257.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1643 FLAT GAP RD, BEREA, KY 40403-8528

Transferred To (Grantee/Buyer)

NameVerified Name
Address419 PEPPER DR, BEREA, KY 40403-8037

Mortgage

Document Number2014173013
DateOct 20, 2023
Instrument2014173013
Lender
NameSUCCESS MORTGAGE PARTNERS INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueNov 1, 2053

January 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMADISON KY
Recording DateJan 19, 2022
Property Address419 PEPPER DR, BEREA, KY 40403-8037
Document Number00D817/386
Book / PageD817 / 386
Map ReferenceMB 14 PG 174
Instrument DateJan 10, 2022
Instrument2014073121
Transaction TypeTransfer
Record UpdatedJan 28, 2026

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$220.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address419 PEPPER DR, BEREA, KY 40403-8037

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRight of Survivorship
Address419 PEPPER DR, BEREA, KY 40403-8037
InvestorPossibly a Property Investor

Mortgage

Document Number2014073122
DateJan 19, 2022
Instrument2014073122
Lender
NameUSDA
TypeGovernment Agency
Agreement
TypeUSDA Mortgage
AmountAmount Recorded
Term456 Months
DueJan 10, 2060

Mortgage

Document Number0M2126/784
DateJan 19, 2022
Book PageM2126/784
Instrument2014073123
Lender
NameFAHE INC
TypeNon-Lending Institution
AddressBEREA, KY 40403
Agreement
TypeConventional Mortgage
AmountAmount Recorded

October 2019: Deed, Transfer

Document TypeDeed
JurisdictionMADISON KY
Recording DateOct 1, 2019
Property Address419 PEPPER DR, BEREA, KY 40403-8037
Document NumberD00779/179
Book / PageD00779 / 179
Map ReferenceMB 14 PG 174
Instrument DateSep 27, 2019
Instrument2013999739
Transaction TypeTransfer
Record UpdatedDec 17, 2021

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$174.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address9407 WOOD CREEK CIR, 9407, FREDERICKSBURG, VA 22407-9269

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRight of Survivorship
Address419 PEPPER DR, BEREA, KY 40403-8037

Mortgage

Document Number2013999740
DateOct 1, 2019
Instrument2013999740
Lender
NameDAS ACQUISITION
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueOct 1, 2049
Interest

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateKentucky
MunicipalityBerea City
CountyMadison County
Unified School DistrictMadison County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,423.00 (+13.54%) Additional exemption filed$257,000 (+16.82%)$257,000 (+16.82%)
2023$2,134.00 (+26.05%)$220,000 (+26.44%)$220,000 (+26.44%)
2022$1,693.00$174,000$174,000

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

Flood

Source: FEMA National Flood Hazard Layer, effective December 21, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies4 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 67% of the US · above 66% of Kentucky
Wildfire Likelihood0.03% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemSOUTHERN MADISON WATER DISTRICT
serves 14,707 people · EPA ID KY0760407
Water SourcePurchased surface water from BEREA MUNICIPAL UTILITIES
Last State InspectionMay 2023
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting3
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 96 locations within half a mile, as of December 31, 2025

ProviderMax 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

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