Madison County property record for 424 Smith Ln, Berea, KY 40403
| Property Type | Other |
|---|---|
| Lot Size | 18.1 acres (789,307 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $92,000 (Oct 2015) |
| Tax Bill | $7,797 (2025) |
| Deeds & Mortgages | Jul 2019 Mortgage Nov 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 0085-0000-0036-2 |
| Primary APN | 0085-0000-0036-2 |
|---|---|
| Alternative APNs |
|
| Lot Area | 789,307 sqft (18.1 acres) |
|---|
| Account Number | 75461 |
|---|---|
| Street Address | 424 SMITH LN |
| City | BEREA |
| State | KY |
| Zip | 40403-8710 |
| Property Category | Other |
| Property Type | Other > Miscellaneous |
| Legal Description | TRACT 2-C (10.85 ACRES) |
| Legal Subdivision | SMITH LANE |
| Legal Tract | 2 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 11101 |
Source: Madison County records, as of December 8, 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 | 312 JASON DR STE 7, 7, RICHMOND, KY 40475-2785 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 12, 2019 | Deed of Trust, Mortgage PEOPLES BANK & TRUST CO OF MADISON CNTY |
| Nov 2, 2022 | Deed of Trust, Mortgage · Line of Credit WHITAKER BANK INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 14, 2015 · Amount on Record |
| Deed Sale | Oct 14, 2015 · Amount on Record |
| Deed Document Number | 0000722365 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 424 SMITH LN, BEREA, KY 40403-8710 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2024 |
| Name | Verified Name |
|---|
| Document Number | M01874/624 |
|---|---|
| Date | Jul 12, 2019 |
| Book Page | M01874/624 |
| Instrument | 2013995476 |
| Name | PEOPLES BANK & TRUST CO OF MADISON CNTY |
|---|---|
| Type | Bank |
| Address | BEREA, KY 40403 |
| Amount | Amount Recorded |
|---|---|
| Term | 12 Months |
| Due | Jul 11, 2020 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 424 SMITH LN, BEREA, KY 40403-8710 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2024 |
| Name | Verified Name |
|---|---|
| Address | 312 JASON DR 7, 7, RICHMOND, KY 40475-2785 |
| Document Number | 0M2199/378 |
|---|---|
| Date | Nov 2, 2022 |
| Book Page | M2199/378 |
| Instrument | 2014118134 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Address | MINNEAPOLIS, MN 55439 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 23 Months |
| Due | Oct 20, 2024 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Madison County assessment roll, as of April 1, 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 | $7,797.00 (+448.31%) Homeowner's exemption | $876,000 (+353.89%) | $876,000 (+353.89%) |
| 2023 | $1,422.00 Homeowner's exemption | $193,000 | $193,000 |
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 42% of the US · above 73% 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 4 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 |
| Starlink Satellite | 280 / 30 |
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