Madison County property record for 440 Chestnut St, Berea, KY 40403
| Property Type | Commercial |
|---|---|
| Details | 1,848 sqft |
| Owner | Company Name on File |
| Last Sale | $100,000 (May 2019) |
| Tax Bill | $1,299 (2025) |
| Deeds & Mortgages | May 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | B006-0015-0045 |
| Primary APN | B006-0015-0045 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,848 sqft Total Area |
| Exterior Material | Concrete Block |
|---|
| Account Number | 48837 |
|---|---|
| Street Address | 440 CHESTNUT ST |
| City | BEREA |
| State | KY |
| Zip | 40403-1511 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | LOT 2 |
| Legal Lot Number | 2 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 11201 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Berea Downtown Commercial and Residential Historic District listed 2020 · 57 contributing resources · NRIS 100005909 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
440 Chestnut St, a commercial property, is owned by a company that bought it in May 2019 and is owner-occupied.
Source: Madison County records, as of December 8, 2025
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 145 LAKESHORE DR, RICHMOND, KY 40475-3613 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 17, 2019 · Amount on File |
| Deed Sale | May 17, 2019 · Amount on File |
| Deed Document Number | 2013992688 |
| Deed Book / Page | D00773 / 583 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | May 17, 2019 |
| Property Address | 440 CHESTNUT ST, BEREA, KY 40403-1511 |
| Document Number | D00773/583 |
| Book / Page | D00773 / 583 |
| Instrument Date | May 17, 2019 |
| Instrument | 2013992688 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $100.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 425 MORAN SUMMIT RD, 425, RICHMOND, KY 40475-8169 |
| Name | Verified Name |
|---|---|
| Address | 533 WHITLOCK RD, RICHMOND, KY 40475-9498 |
| Document Number | 2013992689 |
|---|---|
| Date | May 17, 2019 |
| Instrument | 2013992689 |
| Name | 1ST TRUST BANK INC |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | May 17, 2039 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 440 Chestnut St was $1,299 with an additional exemption.
Source: Madison County assessment roll, as of April 1, 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 | $1,299.00 Additional exemption filed | $109,000 | $109,000 |
| 2023 | $1,308.00 | $100,000 | $100,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 440 Chestnut St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective December 21, 2017
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 440 Chestnut St 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 | Indirect within 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 364 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 · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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