510 Prospect St, Berea, KY 40403 Property Records

Madison County property record for 510 Prospect St, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Details	1,311 sqft
Owner	Individual Name on File
Last Sale	$115,000 (Feb 2018)
Tax Bill	$1,490 (2025)
Deeds & Mortgages	Feb 2018 Sale & Mortgage Jul 2007 Foreclosure
Flood Zone	Zone AE (high risk)
APN	`B010-0010-0001`

Property Details

APN / Parcel Number

Primary APN	`B010-0010-0001`
Alternative APNs	`111722` `74860` `40905`

Interior

Stories	2 Stories
Building Area	1,311 sqft Living Area

Exterior

Exterior Material	Aluminum/Vinyl
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	40905
Street Address	510 PROSPECT ST
City	BEREA
State	KY
Zip	40403-1729
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLUEBIRD LOT 11 & 12 BLK B
Legal Subdivision	BLUEBIRD
Legal Block	B
Legal Lot Number	11,12
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	2
Census Block	2000
Census Tract	11304

Owner

510 Prospect St is owned and occupied by an individual who bought it in February 2018.

Source: Madison County records, as of December 8, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	510 PROSPECT ST, BEREA, KY 40403-1729
Occupancy	Owner Occupied
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
Feb 9, 2018	Warranty Deed, Transfer · FHA Mortgage FEDERATION OF APPALACHIAN HOUSING E
Jul 13, 2007	Commissioner's Deed, Foreclosure PEOPLES BANK AND TRUST COMPANY OF M

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 9, 2018 · Amount on File
Deed Sale	Feb 9, 2018 · Amount on File
Prior Sale	Jul 13, 2007 · Amount on File
Deed Document Number	2013971580
Deed Book / Page	D00755 / 598
Record Updated	Jun 8, 2026

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Feb 9, 2018
Property Address	510 PROSPECT ST, BEREA, KY 40403-1729
Document Number	D00755/598
Book / Page	D00755 / 598
Map Reference	MB2 PG28
Instrument Date	Jan 29, 2018
Instrument	2013971580
Transaction Type	Transfer
Record Updated	Dec 17, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$115.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	398 SHORT LINE PIKE, 398, BEREA, KY 40403-9001

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	138 E HAITI RD, BEREA, KY 40403-1650

Mortgage

Document Number	2013971581
Date	Feb 9, 2018
Instrument	2013971581

Lender

Name	FEDERATION OF APPALACHIAN HOUSING E
Type	Non-Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2048

July 2007: Commissioner's Deed, Foreclosure

Document Type	Commissioner's Deed
Jurisdiction	MADISON KY
Recording Date	Jul 13, 2007
Property Address	510 PROSPECT ST, BEREA, KY 40403-1729
Document Number	0D0623/694
Book / Page	D0623 / 694
Map Reference	MB1 PG43
Instrument Date	Jan 5, 2007
Instrument	392324
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Judgment Amount

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	398 SHORT LINE PIKE, BEREA, KY 40403-9001

Mortgage

Document Number	0000392325
Date	Jul 13, 2007
Instrument	392325

Lender

Name	PEOPLES BANK AND TRUST COMPANY OF M

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 510 Prospect St was $1,490 with an additional exemption.

Source: Madison County assessment roll, as of April 1, 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	$1,490.00 Additional exemption filed	$125,000	$125,000
2023	$1,504.00	$115,000	$115,000

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

Flood

FEMA maps place 510 Prospect St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File 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

Wildfire risk around 510 Prospect St is low, with a 0.02% annual chance of 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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