432 C Valley Dr, Berea, KY 40403 Property Records

Garrard County property record for 432 C Valley Dr, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · built 2001
Lot Size	3.54 acres (154,246 sqft)
Owner	Individual Name on File
Last Sale	$1,478,300 (Aug 2021)
Tax Bill	$1,288 (2025)
Deeds & Mortgages	Jan 2025 Mortgage May 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`66-45.24`

Property Details

APN / Parcel Number

Primary APN	`66-45.24`
Alternative APN	`22015`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Other
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	154,246 sqft (3.54 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	22015
Street Address	432 C VALLEY DR
City	BEREA
State	KY
Zip	40403-9454
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TR 20 3.541 AC COPPER CREEK VALLEY SUB
Legal Subdivision	COPPER CREEK VALLEY SUB
Legal Tract	20
Jurisdiction	GARRARD KY
Township / Civil Division	PAINT LICK
Census Block Group	2
Census Block	2020
Census Tract	970400

Owner

432 C Valley Dr is owned by an individual who bought it in August 2021.

Source: Garrard County records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	214 MEADOWBROOK RD, RICHMOND, KY 40475-9524
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 16, 2025	Deed of Trust, Mortgage · Commercial Mortgage 1ST TRUST BANK INC
May 15, 2020	Special Warranty Deed, Transfer ATA NATIONAL TITLE, ATA IN TITLE
May 24, 2005	Deed, Transfer · FHA Mortgage COUNTRYWIDE HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 11, 2021 · Amount on File
Deed Sale	Aug 11, 2021 · Amount on File
Prior Sale	May 24, 2005 · Amount on File
Deed Document Number	2021163545
Deed Book / Page	38 / 806
Transfer Doc	0000163545
Record Updated	Oct 29, 2026

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GARRARD KY
Property Address	432 C VALLEY DR, BEREA, KY 40403-9454
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2000 MENELAUS RD, BEREA, KY 40403-9747

Mortgage

Document Number	00M453/511
Date	Jan 16, 2025
Book Page	M453/511
Instrument	190787

Lender

Name	1ST TRUST BANK INC
Type	Bank
Address	RICHMOND, KY 40475

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jan 9, 2026

May 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	GARRARD KY
Recording Date	May 15, 2020
Property Address	432 C VALLEY DR, BEREA, KY 40403-9454
Document Number	00D303/131
Book / Page	D303 / 131
Map Reference	DB 162 PG 432
Instrument Date	Mar 27, 2020
Instrument	157116
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	ATA NATIONAL TITLE, ATA IN TITLE

Transaction

Amount	Amount on Record
Tax	$73.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	200 E HAITI RD, BEREA, KY 40403-1648

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	266 E HAITI RD, BEREA, KY 40403-1648
Investor	Possibly a Property Investor

May 2005: Deed, Transfer

Document Type	Deed
Jurisdiction	GARRARD KY
Recording Date	May 24, 2005
Property Address	432 C VALLEY DR, BEREA, KY 40403-9454
Document Number	000232/236
Book / Page	232 / 236
Instrument	61623
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$105.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	67 FULTON ST, AKRON, PA 17501-1163

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	432 C VALLEY RD, BEREA, KY 40403-9454

Mortgage

Document Number	00M243/528
Date	May 24, 2005
Book Page	M243/528
Instrument	61627

Lender

Name	COUNTRYWIDE HOME LOANS INC
Address	CALABASAS, CA 91302

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 432 C Valley Dr was $1,288, down 0.2% from the year before.

Source: Garrard County assessment roll, as of May 5, 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Garrard County
Unified School District	Garrard County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$90,000 (+23.46%) Land $35,000 Building $55,000	$90,000 (+23.46%) Land $35,000 Building $55,000
2025	$1,288.00 (-0.23%)	$72,900 (-) Land $20,000 Building $52,900	$72,900 (-) Land $20,000 Building $52,900
2024	$1,291.00 (-1.68%)	$72,900 (-) Land $20,000 Building $52,900	$72,900 (-) Land $20,000 Building $52,900
2023	$1,313.00 (+2.98%)	$72,900 (-) Land $20,000 Building $52,900	$72,900 (-) Land $20,000 Building $52,900
2022	$1,275.00	$72,900 Land $20,000 Building $52,900	$72,900 Land $20,000 Building $52,900

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

Flood

FEMA maps place 432 C Valley Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1991.

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
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1991–2010)
Claims Outside the SFHA	1 of 2
Most Recent Claim	May 2010 · Severe Storms, Flooding, Mudslides, And Tornadoes

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

Wildfire risk around 432 C Valley Dr is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

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	0.06% 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	GARRARD CO WATER ASSOC INC private · serves 14,806 people · EPA ID KY0400151
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2024
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	1 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 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	100 / 20

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on C Valley Dr

Nearby Streets

All Berea, KY Property Records

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures