Madison County property record for 421 Smith Ln, Berea, KY 40403
| Property Type | Farm - Irrigated or Dry |
|---|---|
| Lot Size | 25.9 acres (1,131,253 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $70,000 (Nov 2025) |
| Tax Bill | $1,018 (2025) |
| Deeds & Mortgages | Jan 2024 Line of Credit Sep 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0085-0000-0037-T |
| Primary APN | 0085-0000-0037-T |
|---|---|
| Alternative APNs |
|
| Lot Area | 1,131,253 sqft (25.9 acres) |
|---|
| Account Number | 48955 |
|---|---|
| Street Address | 421 SMITH LN |
| City | BEREA |
| State | KY |
| Zip | 40403-8710 |
| Property Category | Agriculture or Farming |
| Property Type | Agriculture / Farming > Farm - Irrigated or Dry |
| Legal Description | TRACT 18 (25.97 ACRES) |
| Legal Tract | 18 |
| Legal Lot Number | 18 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 11101 |
Source: Madison County records, as of December 9, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 653 NORTHFORK DR, BEREA, KY 40403-8122 |
| Owner Type | Individual |
| Vesting | Married |
| Date | Document |
|---|---|
| Jan 25, 2024 | Deed of Trust, Mortgage · Line of Credit CUMBERLAND VALLEY NATL BANK & TRUST CO |
| Sep 5, 2018 | Intrafamily Transfer, Transfer · Conventional Mortgage NATIONSTAR MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 12, 2025 · Amount on Record |
| Deed Sale | Nov 12, 2025 · Amount on Record |
| Deed Document Number | 202514298497 |
| Deed Book / Page | 875 / 659 |
| Prior Transfer Date | Aug 9, 2018 |
| Prior Transfer Doc | D00764/171 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 421 SMITH LN, BEREA, KY 40403-8710 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2025 |
| Name | Verified Name |
|---|---|
| Address | 4229 RIVERSIDE DR, EVANS, GA 30809-5013 |
| Document Number | 0M2279/741 |
|---|---|
| Date | Jan 25, 2024 |
| Book Page | M2279/741 |
| Instrument | 2014187786 |
| Name | CUMBERLAND VALLEY NATL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LONDON, KY 40743 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Sep 5, 2018 |
| Property Address | 421 SMITH LN, BEREA, KY 40403-8710 |
| Document Number | D00764/171 |
| Book / Page | D00764 / 171 |
| Map Reference | MB18 PG366 |
| Instrument Date | Aug 9, 2018 |
| Instrument | 2013981431 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 2124 CHEVIOT CT, GREENWOOD, IN 46143-8248 |
| Document Number | 2013981432 |
|---|---|
| Date | Sep 5, 2018 |
| Instrument | 2013981432 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2048 |
Source: Madison County assessment roll, as of December 9, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,018.00 (-2.77%) | $108,000 (-) | $108,000 (-) |
| 2023 | $1,047.00 | $108,000 | $108,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 9 (5% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2026) |
| Most Recent Claim | Jun 2026 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · above 70% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.07% 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 | SOUTHERN MADISON WATER DISTRICT serves 14,707 people · EPA ID KY0760407 |
|---|---|
| Water Source | Purchased surface water from BEREA MUNICIPAL UTILITIES |
| Last State Inspection | May 2023 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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 12 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Spectrum Cable | 1,000 / 1,000 |
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