509 Macrander Dr, Berea, KY 40403 Property Records

Madison County property record for 509 Macrander Dr, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Details	2,178 sqft
Lot Size	1.16 acres (50,530 sqft)
Owner	2 Individual Names on Record
Last Sale	$374,000 (May 2026)
Tax Bill	$1,611 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Aug 2021 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`0084-004A-0054`

Property Details

APN / Parcel Number

Primary APN	`0084-004A-0054`
Alternative APNs	`115953` `79041` `45306`

Interior

Stories	1 Story
Building Area	2,178 sqft Living Area

Exterior

Exterior Material	Brick Veneer
Lot Area	50,530 sqft (1.16 acres)
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	45306
Street Address	509 MACRANDER DR
City	BEREA
State	KY
Zip	40403-8311
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KINGSTON VIEW LOT 54 PH III
Legal Subdivision	KINGSTON
Legal Phase	3
Legal Lot Number	54
Jurisdiction	MADISON KY
Township / Civil Division	RICHMOND
Census Block Group	1
Census Block	1002
Census Tract	10901

Owner

Source: Madison County records, as of June 2, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	509 MACRANDER DR, BEREA, KY 40403-8311
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2025	Deed of Trust, Mortgage · Line of Credit COMMONWEALTH CREDIT UNION
Aug 4, 2021	Deed of Trust, Mortgage CITIZENS GUARANTY BANK
Dec 12, 2024	Deed of Trust, Mortgage · Line of Credit COMMONWEALTH CREDIT UNION
Jun 24, 2024	Deed of Trust, Mortgage · Line of Credit COMMONWEALTH CREDIT UNION
May 22, 2026	Deed, Transfer · Conventional Mortgage SOUTH NATIONAL BANK NC
Aug 4, 2021	Deed of Trust, Mortgage CITIZENS GUARANTY BANK
Jul 16, 2019	Warranty Deed, Transfer · Conventional Mortgage STOCKTON MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2026 · Amount on Record
Deed Sale	May 22, 2026 · Amount on Record
Prior Sale	Jul 16, 2019 · Amount on Record
Deed Document Number	202614350739
Deed Book / Page	883 / 142
Prior Transfer Date	May 21, 2026
Prior Transfer Doc	0014350739
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	509 MACRANDER DR, BEREA, KY 40403-8311
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M2421/569
Date	Nov 4, 2025
Book Page	M2421/569
Instrument	2014296575

Lender

Name	COMMONWEALTH CREDIT UNION
Type	Credit Union
Address	FRANKFORT, KY 40602

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	509 MACRANDER DR, BEREA, KY 40403-8311
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 MACRANDER DR, BEREA, KY 40403-8311

Mortgage

Document Number	0M2078/630
Date	Aug 4, 2021
Book Page	M2078/630
Instrument	2014046886

Lender

Name	CITIZENS GUARANTY BANK
Type	Bank
Address	IRVINE, KY 40336

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 3, 2051

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	509 MACRANDER DR, BEREA, KY 40403-8311
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M2347/92
Date	Dec 12, 2024
Book Page	M2347/92
Instrument	2014237023

Lender

Name	COMMONWEALTH CREDIT UNION
Type	Credit Union
Address	FRANKFORT, KY 40602

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	509 MACRANDER DR, BEREA, KY 40403-8311
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M2307/404
Date	Jun 24, 2024
Book Page	M2307/404
Instrument	2014209794

Lender

Name	COMMONWEALTH CREDIT UNION
Type	Credit Union
Address	FRANKFORT, KY 40602

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	May 22, 2026
Property Address	509 MACRANDER DR, BEREA, KY 40403-8311
Document Number	0014350739
Book / Page	883 / 142
Instrument Date	May 21, 2026
Instrument	202614350739
Transaction Type	Transfer
Record Updated	Jun 2, 2026
Title Company	BLUEGRASS LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$37,774.00
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 MACRANDER DR, BEREA, KY 40403-8311

Mortgage

Document Number	0014350743,
Date	May 22, 2026
Instrument	202614350743

Lender

Name	SOUTH NATIONAL BANK NC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	509 MACRANDER DR, BEREA, KY 40403-8311
Transaction Type	Mortgage
Record Updated	Aug 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 MACRANDER DR, BEREA, KY 40403-8311

Mortgage

Document Number	M2078/630
Date	Aug 4, 2021
Book Page	M2078/630
Instrument	2014046886

Lender

Name	CITIZENS GUARANTY BANK
Type	Bank
Address	IRVINE, KY 40336

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 3, 2051

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Jul 16, 2019
Property Address	509 MACRANDER DR, BEREA, KY 40403-8311
Document Number	D00776/048
Book / Page	D00776 / 048
Map Reference	CAB 24 PG 39
Instrument Date	Jul 15, 2019
Instrument	2013995649
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$206.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	803 MELANIE LN, RICHMOND, KY 40475-2784

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	509 MACRANDER DR, BEREA, KY 40403-8311

Mortgage

Document Number	2013995650
Date	Jul 16, 2019
Instrument	2013995650

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 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	$1,611.00 (-4.33%) Homeowner's exemption	$220,000 (-)	$220,000 (-)
2023	$1,684.00 Homeowner's exemption	$220,000	$220,000

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	4 (1979–2023)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Feb 2023 · rainfall accumulation

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 63% of the US · above 67% of Kentucky
Wildfire Likelihood	0.05% 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	MADISON CO UTILITIES DISTRICT serves 25,120 people · EPA ID KY0760224
Water Source	Purchased surface water from RICHMOND UTILITIES
Last State Inspection	Nov 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Jun 2019
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 78 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

May also be available: Windstream.

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