48 Lena St, Berea, KY 40403 Property Records

Madison County property record for 48 Lena St, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 961 sqft
Owner	Individual Name on Record
Last Sale	$90,000 (Jul 2019)
Tax Bill	$1,072 (2025)
Deeds & Mortgages	Jul 2019 Sale & Mortgage Jan 2019 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`B001-0004-0026`

Property Details

APN / Parcel Number

Primary APN	`B001-0004-0026`
Alternative APNs	`128272` `91120` `57922`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	961 sqft Living Area

Exterior

Exterior Material	Aluminum/Vinyl
Porch	Porch
Porch Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	57922
Street Address	48 LENA ST
City	BEREA
State	KY
Zip	40403-1437
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ANGEL LOT PT 17 & 18 BLK A
Legal Subdivision	ANGEL ADD
Legal Block	A
Legal Lot Number	17,18
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	3
Census Block	3018
Census Tract	11201

Owner

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	48 LENA ST, BEREA, KY 40403-1437
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2019	Deed, Transfer · FHA Mortgage EVERETT FINANCIAL INC
Jan 11, 2019	Commissioner's Deed, Foreclosure · Commercial Mortgage COMMUNITY TRUST BANK INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2019 · Amount on Record
Deed Sale	Jul 22, 2019 · Amount on Record
Prior Sale	Jan 11, 2019 · Amount on Record
Deed Document Number	2013995832
Deed Book / Page	D00776 / 184
Record Updated	Jun 8, 2026

July 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Jul 22, 2019
Property Address	48 LENA ST, BEREA, KY 40403-1437
Document Number	D00776/184
Book / Page	D00776 / 184
Map Reference	MB 1 PG 22
Instrument Date	Jul 2, 2019
Instrument	2013995832
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	JETT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$90.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	735 COLLEGE HILL RD, 735, WACO, KY 40385-9732

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	48 LENA ST, BEREA, KY 40403-1437

Mortgage

Document Number	2013995833
Date	Jul 22, 2019
Instrument	2013995833

Lender

Name	EVERETT FINANCIAL INC
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

January 2019: Commissioner's Deed, Foreclosure

Document Type	Commissioner's Deed
Jurisdiction	MADISON KY
Recording Date	Jan 11, 2019
Property Address	48 LENA ST, BEREA, KY 40403-1437
Document Number	D00768/685
Book / Page	D00768 / 685
Map Reference	MB 5 PG 269
Instrument Date	Aug 9, 2018
Instrument	2013986993
Transaction Type	Foreclosure
Record Updated	Aug 10, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	735 COLLEGE HILL RD, WACO, KY 40385-9732
Investor	Possibly a Property Investor

Mortgage

Document Number	2013986994
Date	Jan 11, 2019
Instrument	2013986994

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 10, 2039

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Madison County assessment roll, as of April 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
Municipality	Berea City
County	Madison County
Unified School District	Berea Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,072.00 (-8.92%) Additional exemption filed	$90,000 (-)	$90,000 (-)
2023	$1,177.00 (+3.06%)	$90,000 (-)	$90,000 (-)
2022	$1,142.00	$90,000	$90,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

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	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 208 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

May also be available: T-Mobile.

Nearby Properties on Lena St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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