502 Prospect St, Berea, KY 40403 Property Records

Madison County property record for 502 Prospect St, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Details	1,172 sqft
Lot Size	0.281 acres (12,248 sqft)
Owner	2 Company Names on Record
Tax Bill	$666 (2025)
Deeds & Mortgages	Apr 2026 Sale Apr 2026 Sale + 3 more
Flood Zone	Zone AE (high risk)
APN	`B010-0010-0017`

Property Details

APN / Parcel Number

Primary APN	`B010-0010-0017`
Alternative APNs	`136916` `99698` `66871`

Interior

Stories	1 Story
Building Area	1,172 sqft Living Area

Exterior

Exterior Material	Brick
Lot Area	12,248 sqft (0.281 acres)
Garage Type	Carport
Garage Area	200 sqft
Carport	Carport
Carport Area	200 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	66871
Street Address	502 PROSPECT ST
City	BEREA
State	KY
Zip	40403-1729
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLUEBIRD LOT 1, 2 & 3 BLK B
Legal Subdivision	BLUEBIRD
Legal Block	B
Legal Lot Number	1-3
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	2
Census Block	2000
Census Tract	11304

Owner

Source: Madison County records, as of May 5, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	502 PROSPECT ST, BEREA, KY 40403-1729
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Irrevocable Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2026	Affidavit, Transfer
Apr 22, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Sep 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Sep 6, 2018	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 21, 2026
Transfer Doc	0014341630
Record Updated	Sep 20, 2026

April 2026: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	MADISON KY
Recording Date	Apr 22, 2026
Property Address	502 PROSPECT ST, BEREA, KY 40403-1729
Document Number	0014341630
Book / Page	881 / 566
Instrument Date	Apr 21, 2026
Instrument	202614341630
Transaction Type	Transfer
Record Updated	Aug 27, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Apr 22, 2026
Property Address	502 PROSPECT ST, BEREA, KY 40403-1729
Document Number	0014341631
Book / Page	881 / 568
Instrument Date	Mar 20, 2026
Instrument	202614341631
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	502 PROSPECT ST, BEREA, KY 40403-1729

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	502 PROSPECT ST, BEREA, KY 40403-1729
Transaction Type	Mortgage
Record Updated	Oct 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2094/424
Date	Sep 22, 2021
Book Page	M2094/424
Instrument	2014054447

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	502 PROSPECT ST, BEREA, KY 40403-1729
Transaction Type	Mortgage
Record Updated	Feb 26, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01916/634
Date	Feb 6, 2020
Book Page	M01916/634
Instrument	2014006857

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2050

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	502 PROSPECT ST, BEREA, KY 40403-1729
Transaction Type	Mortgage
Record Updated	Sep 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01823/199
Date	Sep 6, 2018
Book Page	M01823/199
Instrument	2013981546

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

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	Berea Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$666.00 (+11.56%) Homeowner's exemption	$105,000 (+14.13%)	$105,000 (+14.13%)
2023	$597.00 Homeowner's exemption	$92,000	$92,000

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 20 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	20 in force
Nearby Flood Claims	8 (2010–2026)
Claims Outside the SFHA	2 of 8
Most Recent Claim	Jun 2026 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 2 claims

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	None beyond ember reach

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 280 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.

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