498 Pine Woods Rd, Berea, KY 40403 Property Records

Madison County property record for 498 Pine Woods Rd, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,799 sqft · built 2013
Lot Size	1.86 acres (81,022 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,403 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Jul 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0099-0000-0014-1B`

Property Details

APN / Parcel Number

Primary APN	`0099-0000-0014-1B`
Alternative APNs	`137143` `99926` `67086`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,799 sqft Living Area

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Aluminum/Vinyl
Lot Area	81,022 sqft (1.86 acres)
Garage Type	Basement
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	67086
Street Address	498 PINE WOODS RD
City	BEREA
State	KY
Zip	40403-9655
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT 2 (1.86 ACRES)
Legal Subdivision	TRACT 2
Legal Tract	2
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	1
Census Block	1020
Census Tract	11102

Owner

Source: Madison County records, as of July 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	498 PINE WOODS RD, BEREA, KY 40403-9655
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2020	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jul 9, 2021	Deed of Trust, Mortgage · FHA Mortgage JFQ LENDING INC
Dec 10, 2019	Deed of Trust, Mortgage · FHA Mortgage JFQ LENDING INC
Mar 12, 2019	Deed of Trust, Mortgage · FHA Mortgage RELIANCE FIRST CAPITAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	498 PINE WOODS RD, BEREA, KY 40403-9655
Transaction Type	Mortgage
Record Updated	Nov 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	498 PINE WOODS RD, BEREA, KY 40403-9655

Mortgage

Document Number	M01975/147
Date	Sep 4, 2020
Book Page	M01975/147
Instrument	2014019647

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	EDGEWOOD, MD 21040

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Dec 1, 2049

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	498 PINE WOODS RD, BEREA, KY 40403-9655
Transaction Type	Mortgage
Record Updated	Jul 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2071/382
Date	Jul 9, 2021
Book Page	M2071/382
Instrument	2014044184

Lender

Name	JFQ LENDING INC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85256

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	498 PINE WOODS RD, BEREA, KY 40403-9655
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE SOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01906/094
Date	Dec 10, 2019
Book Page	M01906/094
Instrument	2014003739

Lender

Name	JFQ LENDING INC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85254

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	498 PINE WOODS RD, BEREA, KY 40403-9655
Transaction Type	Mortgage
Record Updated	Mar 29, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01851/703
Date	Mar 12, 2019
Book Page	M01851/703
Instrument	2013989486

Lender

Name	RELIANCE FIRST CAPITAL LLC
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

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

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Kentucky
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	$1,403.00 (+5.41%) Homeowner's exemption	$188,000 (+7.37%)	$188,000 (+7.37%)
2023	$1,331.00 Homeowner's exemption	$175,100	$175,100

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	9 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	Moderate above 42% of the US · above 73% of Kentucky
Wildfire Likelihood	0.08% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Starlink Satellite	280 / 30

May also be available: Spectrum.

Cell Coverage

5G and 4G LTE (outdoors only)

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