507 Prospect St, Berea, KY 40403 Property Records

Madison County property record for 507 Prospect St, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Details	1,721 sqft
Lot Size	0.244 acres (10,636 sqft)
Owner	Individual Name on Record
Last Sale	$249,900 (Jul 2024)
Tax Bill	$2,978 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage Dec 2017 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`B010-0009-0002`

Property Details

APN / Parcel Number

Primary APN	`B010-0009-0002`
Alternative APNs	`107510` `144842` `62607`

Interior

Stories	1 Story
Building Area	1,721 sqft Living Area

Exterior

Exterior Material	Stone
Lot Area	10,636 sqft (0.244 acres)
Garage Type	Carport
Carport	Carport

Location & Zoning

Account Number	62607
Street Address	507 PROSPECT ST
City	BEREA
State	KY
Zip	40403-1728
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1
Legal Subdivision	MADISON COUNTY
Legal Lot Number	1
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	1
Census Block	1013
Census Tract	11303

Owner

Source: Madison County records, as of December 9, 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
Mailing Address	507 PROSPECT ST, BEREA, KY 40403-1728
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2020	Warranty Deed, Transfer · USDA Mortgage USDA
Dec 8, 2017	Intrafamily Transfer, Transfer · FHA Mortgage ARK-LA-TEX FINANCE SERVICES LLC
Aug 14, 2017	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 3, 2024 · Amount on Record
Deed Sale	Jul 3, 2024 · Amount on Record
Prior Sale	Oct 20, 2020 · Amount on Record
Deed Document Number	202414211368
Deed Book / Page	854 / 471
Prior Transfer Date	Dec 5, 2017
Prior Transfer Doc	D00753/449
Record Updated	Jun 8, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Oct 20, 2020
Property Address	507 PROSPECT ST, BEREA, KY 40403-1728
Document Number	D00795/707
Book / Page	D00795 / 707
Instrument Date	Oct 15, 2020
Instrument	2014022555
Transaction Type	Transfer
Record Updated	Aug 10, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$192.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	507 PROSPECT ST, 507, BEREA, KY 40403-1728

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	507 PROSPECT ST, BEREA, KY 40403-1728

Mortgage

Document Number	2014022556
Date	Oct 20, 2020
Instrument	2014022556

Lender

Name	USDA
Type	Government Agency

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	396 Months
Due	Oct 15, 2053

December 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MADISON KY
Recording Date	Dec 8, 2017
Property Address	507 PROSPECT ST, BEREA, KY 40403-1728
Document Number	D00753/449
Book / Page	D00753 / 449
Map Reference	CAB9 SL323
Instrument Date	Dec 5, 2017
Instrument	2013968810
Transaction Type	Transfer
Record Updated	Aug 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$155.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2920 WALLACETOWN RD, 2920, PAINT LICK, KY 40461-8714

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	507 PROSPECT ST, BEREA, KY 40403-1728

Mortgage

Document Number	2013968811
Date	Dec 8, 2017
Instrument	2013968811

Lender

Name	ARK-LA-TEX FINANCE SERVICES LLC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2047

August 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Aug 14, 2017
Property Address	507 PROSPECT ST, BEREA, KY 40403-1728
Document Number	D00748/701
Book / Page	D00748 / 701
Instrument Date	Aug 3, 2017
Instrument	2013963077
Transaction Type	Transfer
Record Updated	Aug 10, 2022

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2920 WALLACETOWN RD, PAINT LICK, KY 40461-8714

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	$2,978.00 (+18.6%)	$249,900 (+30.16%)	$249,900 (+30.16%)
2023	$2,511.00	$192,000	$192,000

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 57 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	57 in force
Nearby Flood Claims	2 (2010–2025)
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides

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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