480 Hickory Ln, Berea, KY 40403 Property Records

Madison County property record for 480 Hickory Ln, Berea, KY 40403

Property Summary

Property Type	Farm - Irrigated or Dry
Lot Size	12.7 acres (555,172 sqft)
Owner	2 Individual Names on File
Last Sale	$176,000 (Aug 2023)
Tax Bill	$2,715 (2025)
Deeds & Mortgages	May 2026 Mortgage Jan 2026 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0073-0000-0039`

Property Details

APN / Parcel Number

Primary APN	`0073-0000-0039`
Alternative APNs	`111602` `74747` `40790`

Exterior

Lot Area	555,172 sqft (12.7 acres)

Location & Zoning

Account Number	40790
Street Address	480 HICKORY LN
City	BEREA
State	KY
Zip	40403-9159
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > Farm - Irrigated or Dry
Legal Description	TRACTS 6 & 7 (12.745 ACRES)
Legal Subdivision	MINOR SUB 7
Legal Tract	6&7
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	1
Census Block	1075
Census Tract	11202

Owner

480 Hickory Ln, an agricultural property, is owned by two individuals who bought it in August 2023.

Source: Madison County records, as of May 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	480 HICKORY LN, BEREA, KY 40403-9159
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
May 13, 2026	Deed of Trust, Mortgage · Conventional Mortgage WHITAKER BANK INC
Jan 8, 2026	Deed of Trust, Mortgage · Line of Credit WHITAKER BANK INC
Jul 14, 2022	Deed of Trust, Mortgage · Construction Mortgage WHITAKER BANK INC
Sep 15, 2017	Deed, Construction Loan · Construction Mortgage CENTRAL KENTUCKY AG CREDIT ASSN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2023 · Amount on File
Deed Sale	Aug 16, 2023 · Amount on File
Deed Document Number	202314161966
Deed Book / Page	842 / 227
Prior Transfer Date	Sep 13, 2017
Prior Transfer Doc	D00750/244
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Recording Date	May 13, 2026
Property Address	480 HICKORY LN, BEREA, KY 40403-9159
Document Number	0014348138
Book / Page	2467 / 525
Instrument Date	May 8, 2026
Instrument	202614348138
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	480 HICKORY LN, BEREA, KY 40403-9159
Investor	Possibly a Property Investor

Mortgage

Document Number	0014348138,
Date	May 13, 2026
Book Page	2467/525
Instrument	202614348138

Lender

Name	WHITAKER BANK INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	May 8, 2036

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	480 HICKORY LN, BEREA, KY 40403-9159
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	480 HICKORY LN, BEREA, KY 40403-9159
Investor	Possibly a Property Investor

Mortgage

Document Number	00M2438/64
Date	Jan 8, 2026
Book Page	M2438/64
Instrument	2014310532

Lender

Name	WHITAKER BANK INC
Type	Bank
Address	MINNEAPOLIS, MN 55439

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	11 Months
Due	Dec 19, 2026

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	480 HICKORY LN, BEREA, KY 40403-9159
Transaction Type	Mortgage
Record Updated	Feb 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	113 LYNNE DR, BEREA, KY 40403-1267

Mortgage

Document Number	0M2175/337
Date	Jul 14, 2022
Book Page	M2175/337
Instrument	2014101567

Lender

Name	WHITAKER BANK INC
Type	Bank
Address	MINNEAPOLIS, MN 55439

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jul 9, 2023

September 2017: Deed, Construction Loan

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Sep 15, 2017
Property Address	480 HICKORY LN, BEREA, KY 40403-9159
Document Number	D00750/244
Book / Page	D00750 / 244
Instrument Date	Sep 13, 2017
Instrument	2013964868
Transaction Type	Construction Loan
Record Updated	Feb 2, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	212 N 2ND ST, RICHMOND, KY 40475-1408

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	730 RICHMOND RD N, BEREA, KY 40403-1059

Mortgage

Document Number	2013964869
Date	Sep 15, 2017
Instrument	2013964869

Lender

Name	CENTRAL KENTUCKY AG CREDIT ASSN
Type	Lending Institution

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 480 Hickory Ln was $2,715.

Source: Madison County assessment roll, as of December 9, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,715.00	$288,000	$288,000
2023	$2,793.00	$288,000	$288,000

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

Flood

FEMA maps place 480 Hickory Ln 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	3 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

Wildfire risk around 480 Hickory Ln is moderate, ranking above 40% of the US, with a 0.07% 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	0.07% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 59 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
Verizon Fixed Wireless	300 / 20
Windstream DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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