420 Scaffold Cane Rd, Berea, KY 40403 Property Records

Madison County property record for 420 Scaffold Cane Rd, Berea, KY 40403

Property Summary

Property Type	Commercial
Owner	Company Name on Record
Last Sale	$1,385,000 (Feb 2026)
Tax Bill	$1,418 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Mar 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`B011-0002-0003-AB`

Property Details

APN / Parcel Number

Primary APN	`B011-0002-0003-AB`
Alternative APNs	`121819` `84823` `51352`

Location & Zoning

Account Number	51352
Street Address	420 SCAFFOLD CANE RD
City	BEREA
State	KY
Zip	40403-2245
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	A PRUITT SMITH SUB LOT 4
Legal Subdivision	A PRUITT SMITH
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	2
Census Block	2005
Census Tract	11304

Owner

Source: Madison County records, as of March 17, 2026

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

Owner of Record	Company Name on Record
Mailing Address	112 RAINBOW CT, BEREA, KY 40403-9004
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2026	Deed, Transfer · Commercial Mortgage UNIVERSITY OF KENTUCKY FCU
Mar 9, 2020	Deed of Trust, Mortgage · Commercial Mortgage KENTUCKY BANK
Sep 19, 2017	Deed of Trust, Mortgage · Commercial Mortgage PEOPLES BANK & TRUST CO OF MADISON CNTY
May 11, 2018	Deed, Transfer · Commercial Mortgage PEOPLES BANK & TRUST CO OF MADISON

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 27, 2026 · Amount on Record
Deed Sale	Feb 27, 2026 · Amount on Record
Prior Sale	May 11, 2018
Deed Document Number	2014322338
Deed Book / Page	D879 / 634
Record Updated	Jun 8, 2026

February 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Feb 27, 2026
Property Address	420 SCAFFOLD CANE RD, BEREA, KY 40403-2245
Document Number	00D879/634
Book / Page	D879 / 634
Map Reference	CAB 2 SL 447
Instrument Date	Feb 26, 2026
Instrument	2014322338
Transaction Type	Transfer
Record Updated	Mar 18, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,385.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	754 BROOKSTOWN RD, RICHMOND, KY 40475-9224

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 RAINBOW CT, BEREA, KY 40403-9004

Mortgage

Document Number	00M2448/70
Date	Feb 27, 2026
Book Page	M2448/70
Instrument	2014322341

Lender

Name	UNIVERSITY OF KENTUCKY FCU
Type	Credit Union
Address	LEXINGTON, KY 40509

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 26, 2041

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	420 SCAFFOLD CANE RD, BEREA, KY 40403-2245
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01923/619
Date	Mar 9, 2020
Book Page	M01923/619
Instrument	2014008609

Lender

Name	KENTUCKY BANK
Type	Bank
Address	RICHMOND, KY 40475

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Mar 6, 2045

Interest

Rate Type	Adjustable Rate

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	420 SCAFFOLD CANE RD, BEREA, KY 40403-2245
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01765/264
Date	Sep 19, 2017
Book Page	M01765/264
Instrument	2013965047

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	3 Months
Due	Dec 18, 2017

May 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	May 11, 2018
Property Address	420 SCAFFOLD CANE RD, BEREA, KY 40403-2245
Document Number	D00759/259
Book / Page	D00759 / 259
Map Reference	MBP2 PG168
Instrument Date	May 11, 2018
Instrument	2013975660
Transaction Type	Transfer
Record Updated	Dec 17, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	754 BROOKSTOWN RD, RICHMOND, KY 40475-9224

Mortgage

Document Number	2013975661
Date	May 11, 2018
Instrument	2013975661

Lender

Name	PEOPLES BANK & TRUST CO OF MADISON
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$1,418.00 (-8.87%) Additional exemption filed	$119,000 (-)	$119,000 (-)
2023	$1,556.00	$119,000	$119,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 20 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	20 in force
Nearby Flood Claims	8 (2010–2026)
Claims Outside the SFHA	2 of 8
Most Recent Claim	Jun 2026 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 2 claims

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 Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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 77 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	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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