524 Southfork Dr, Berea, KY 40403 Property Records

Madison County property record for 524 Southfork Dr, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Lot Size	0.239 acres (10,454 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (Oct 2020)
Tax Bill	$1,961 (2025)
Deeds & Mortgages	Nov 2017 Mortgage Nov 2019 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0072-016A-0001-18`

Property Details

APN / Parcel Number

Primary APN	`0072-016A-0001-18`
Alternative APNs	`111916` `75043` `41098`

Exterior

Lot Area	10,454 sqft (0.239 acres)

Location & Zoning

Account Number	41098
Street Address	524 SOUTHFORK DR
City	BEREA
State	KY
Zip	40403-8111
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STONEY CREEK LOT 18 UNIT 1 BLK 1
Legal Subdivision	STONEY CREEK
Legal Block	1
Legal Lot Number	18
Legal Unit	1
Jurisdiction	MADISON KY
Township / Civil Division	RICHMOND
Census Block Group	1
Census Block	1033
Census Tract	10901

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	524 SOUTHFORK DR, BEREA, KY 40403-8111
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 27, 2017	Deed of Trust, Mortgage · FHA Mortgage FIFTH THIRD MORTGAGE CO
Nov 27, 2019	Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF KENTUCKY FCU
Jun 8, 2020	Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF KENTUCKY FCU
Oct 16, 2020	Deed, Transfer · FHA Mortgage FINANCE OF AMERICA MORTGAGE LLC
May 4, 2017	Deed, Transfer · FHA Mortgage FIFTH THIRD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2020 · Amount on Record
Deed Sale	Oct 16, 2020 · Amount on Record
Prior Sale	May 4, 2017 · Amount on Record
Deed Document Number	2014022394
Deed Book / Page	D00795 / 621
Record Updated	Jun 8, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	524 SOUTHFORK DR, BEREA, KY 40403-8111
Transaction Type	Mortgage
Record Updated	Feb 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	M01776/439
Date	Nov 27, 2017
Book Page	M01776/439
Instrument	2013968314

Lender

Name	FIFTH THIRD MORTGAGE CO
Type	Mortgage Company
Address	CINCINNATI, OH 45227

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	354 Months
Due	May 1, 2047

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	524 SOUTHFORK DR, BEREA, KY 40403-8111
Transaction Type	Mortgage
Record Updated	Feb 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	M01903/396
Date	Nov 27, 2019
Book Page	M01903/396
Instrument	2014003039

Lender

Name	UNIVERSITY OF KENTUCKY FCU
Type	Credit Union
Address	LEXINGTON, KY 40509

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Nov 26, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	524 SOUTHFORK DR, BEREA, KY 40403-8111
Transaction Type	Mortgage
Record Updated	Feb 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	M01946/401
Date	Jun 8, 2020
Book Page	M01946/401
Instrument	2014013409

Lender

Name	UNIVERSITY OF KENTUCKY FCU
Type	Credit Union
Address	LEXINGTON, KY 40509

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 7, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Oct 16, 2020
Property Address	524 SOUTHFORK DR, BEREA, KY 40403-8111
Document Number	D00795/621
Book / Page	D00795 / 621
Map Reference	CAB 26 SL 480
Instrument Date	Oct 14, 2020
Instrument	2014022394
Transaction Type	Transfer
Record Updated	Feb 17, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$175.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	204 STONEY CREEK WAY, BEREA, KY 40403-7003

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	524 SOUTHFORK DR, BEREA, KY 40403-8111
Investor	Possibly a Property Investor

Mortgage

Document Number	2014022395
Date	Oct 16, 2020
Instrument	2014022395

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

May 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	May 4, 2017
Property Address	524 SOUTHFORK DR, BEREA, KY 40403-8111
Document Number	D00744/217
Book / Page	D00744 / 217
Map Reference	CAB26 SL480
Instrument Date	Apr 27, 2017
Instrument	2013958162
Transaction Type	Transfer
Record Updated	Feb 17, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 506, BEREA, KY 40403-0506

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	524 S FORK DR, BEREA, KY 40403-8111
Investor	Possibly a Property Investor

Mortgage

Document Number	2013958163
Date	May 4, 2017
Instrument	2013958163

Lender

Name	FIFTH THIRD MORTGAGE CO
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

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	Madison County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,961.00 (+15.56%) Additional exemption filed	$208,000 (+18.86%)	$208,000 (+18.86%)
2023	$1,697.00	$175,000	$175,000

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 65% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 130 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	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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