Madison County property record for 517 Sapphire Dr, Berea, KY 40403
| Property Type | Other |
|---|---|
| Owner | 2 Individual Names on File |
| Last Sale | $257,900 (Jan 2024) |
| Tax Bill | $2,120 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Sep 2022 Sale & Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 0072-0017-0099 |
| Primary APN | 0072-0017-0099 |
|---|---|
| Alternative APNs |
|
| Account Number | 45732 |
|---|---|
| Street Address | 517 SAPPHIRE DR |
| City | BEREA |
| State | KY |
| Zip | 40403-9368 |
| Property Category | Other |
| Property Type | Other > Miscellaneous |
| Legal Description | STONEY CREEK LOT 99 UNIT 2 BLK 1 |
| Legal Subdivision | STONEY CREEK |
| Legal Block | 1 |
| Legal Lot Number | 99 |
| Legal Unit | 2 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 10901 |
517 Sapphire Dr is owned by two individuals who bought it in January 2024.
Source: Madison County records, as of May 13, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 311 BOCOTE DR, BEREA, KY 40403-9584 |
| 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.
| Date | Document |
|---|---|
| May 4, 2026 | Deed of Trust, Mortgage · Conventional Mortgage WHITAKER BANK INC |
| Sep 16, 2022 | Deed, Transfer · Line of Credit WHITAKER BANK INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 5, 2024 · Amount on File |
| Deed Sale | Jan 5, 2024 · Amount on File |
| Deed Document Number | 202414184742 |
| Deed Book / Page | 847 / 407 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | May 4, 2026 |
| Property Address | 517 SAPPHIRE DR, BEREA, KY 40403-9368 |
| Document Number | 0014344775 |
| Book / Page | 2464 / 340 |
| Instrument Date | Apr 30, 2026 |
| Instrument | 202614344775 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Company, 103 |
| Address | 320 HADEN HTS, RICHMOND, KY 40475-2568 |
| Document Number | 0014344775, |
|---|---|
| Date | May 4, 2026 |
| Book Page | 2464/340 |
| Instrument | 202614344775 |
| Name | WHITAKER BANK INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 24 Months |
| Due | Apr 30, 2028 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.46% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Sep 16, 2022 |
| Property Address | 517 SAPPHIRE DR, BEREA, KY 40403-9368 |
| Document Number | 00D829/188 |
| Book / Page | D829 / 188 |
| Map Reference | MB P29 PG 304 |
| Instrument Date | Sep 13, 2022 |
| Instrument | 2014111712 |
| Transaction Type | Transfer |
| Record Updated | Feb 2, 2024 |
| Amount | Amount on Record |
|---|---|
| Tax | $225.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 507 GLADES RD, BEREA, KY 40403-1256 |
| Name | Verified Name |
|---|---|
| Address | 311 BOCOTE DR, BEREA, KY 40403-9584 |
| Document Number | 2014111716 |
|---|---|
| Date | Sep 16, 2022 |
| Instrument | 2014111716 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Sep 13, 2042 |
The 2025 property tax bill for 517 Sapphire Dr was $2,120.
Source: Madison County assessment roll, as of December 9, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| Municipality | Berea City |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,120.00 | $224,900 | $224,900 |
| 2023 | $2,181.00 | $224,900 | $224,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 517 Sapphire Dr in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1979.
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 risk around 517 Sapphire Dr is low, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · above 68% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SOUTHERN MADISON WATER DISTRICT serves 14,707 people · EPA ID KY0760407 |
|---|---|
| Water Source | Purchased surface water from BEREA MUNICIPAL UTILITIES |
| Last State Inspection | May 2023 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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.
Source: FCC Broadband Data Collection, based on 95 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 |
| Windstream Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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