Madison County property record for 428 Whitehall Dr, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 1,215 sqft |
| Lot Size | 0.178 acres (7,770 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $10,000 (Feb 2024) |
| Tax Bill | $1,083 (2025) |
| Deeds & Mortgages | Feb 2024 Mortgage Oct 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | B006-002J-0020 |
| Primary APN | B006-002J-0020 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,215 sqft Living Area |
| Exterior Material | Brick Veneer |
|---|---|
| Lot Area | 7,770 sqft (0.178 acres) |
| Garage Type | Attached |
| Garage Area | 288 sqft |
| Parking Spaces | 1 Parking Space |
| Account Number | 59623 |
|---|---|
| Street Address | 428 WHITEHALL DR |
| City | BEREA |
| State | KY |
| Zip | 40403-2016 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BURCHWOOD LOT 20 BLK E |
| Legal Subdivision | BURCHWOOD |
| Legal Block | E |
| Legal Lot Number | 20 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 11201 |
428 Whitehall Dr is owned and occupied by two individuals who bought it in February 2024.
Source: Madison County records, as of December 9, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 428 WHITEHALL DR, BEREA, KY 40403-2016 |
| 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.
| Date | Document |
|---|---|
| Feb 21, 2024 | Intrafamily Transfer, Transfer · FHA Mortgage EMORTGAGE FUNDING LLC |
| Oct 15, 2021 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 21, 2024 · Amount on File |
| Deed Sale | Feb 21, 2024 · Amount on File |
| Deed Document Number | 202414191219 |
| Deed Book / Page | 849 / 109 |
| Prior Transfer Date | Jan 26, 2024 |
| Prior Transfer Doc | 00D849/109 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Feb 21, 2024 |
| Property Address | 428 WHITEHALL DR, BEREA, KY 40403-2016 |
| Document Number | 00D849/109 |
| Book / Page | D849 / 109 |
| Map Reference | CAB 15 SL 346 |
| Instrument Date | Jan 26, 2024 |
| Instrument | 2014191219 |
| Transaction Type | Transfer |
| Record Updated | Mar 4, 2024 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 428 WHITEHALL DR, BEREA, KY 40403-2016 |
| Document Number | 2014191510 |
|---|---|
| Date | Feb 21, 2024 |
| Instrument | 2014191510 |
| Name | EMORTGAGE FUNDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Feb 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 428 WHITEHALL DR, BEREA, KY 40403-2016 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2021 |
| Name | Verified Name |
|---|
| Document Number | M2101/127 |
|---|---|
| Date | Oct 15, 2021 |
| Book Page | M2101/127 |
| Instrument | 2014058645 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2051 |
The 2025 property tax bill for 428 Whitehall Dr was $1,083 with a homeowner's exemption.
Source: Madison County assessment roll, as of December 9, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| Municipality | Berea City |
| County | Madison County |
| Unified School District | Berea Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,083.00 Homeowner's exemption | $140,000 | $140,000 |
| 2023 | $963.00 Homeowner's exemption | $120,000 | $120,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 428 Whitehall Dr in Zone X, an area of minimal flood risk.
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 8 (10% premium discount) |
| Nearby Flood Policies | 1 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 risk around 428 Whitehall Dr is low, with a 0.01% 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 | 0.01% annual chance |
| Exposure | None beyond ember reach |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 297 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 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: T-Mobile.
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