Madison County property record for 545 Mount Vernon Rd, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 1,152 sqft |
| Lot Size | 1.14 acres (49,945 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $119,000 (Oct 2019) |
| Tax Bill | $1,169 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Dec 2025 Second Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | B003-0004-0006 |
| Primary APN | B003-0004-0006 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,152 sqft Living Area |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Lot Area | 49,945 sqft (1.14 acres) |
| Account Number | 60806 |
|---|---|
| Street Address | 545 MOUNT VERNON RD |
| City | BEREA |
| State | KY |
| Zip | 40403-9536 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | E C WYNN ADDT LOT 28-31 |
| Legal Subdivision | E C WYNN ADDT |
| Legal Lot Number | 28-31 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 11301 |
Source: Madison County records, as of January 13, 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 | 545 MOUNT VERNON RD, BEREA, KY 40403-9536 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 15, 2021 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Dec 31, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC |
| Sep 5, 2023 | Intrafamily Transfer, Transfer |
| Oct 29, 2019 | Deed, Transfer · FHA Mortgage SIERRA PACIFIC MORTGAGE CO INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 29, 2019 · Amount on Record |
| Deed Sale | Oct 29, 2019 · Amount on Record |
| Deed Document Number | 20192014001392 |
| Deed Book / Page | 780 / 468 |
| Last Transfer Date | Sep 1, 2023 |
| Transfer Doc | 000D843/60 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 545 MOUNT VERNON RD, BEREA, KY 40403-9536 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Title Company | SOLIDIFI TITLE AND CLOSING, SOLIDIFI |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0M2032/570 |
|---|---|
| Date | Mar 15, 2021 |
| Book Page | M2032/570 |
| Instrument | 2014031351 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 545 MOUNT VERNON RD, BEREA, KY 40403-9536 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0M2436/775 |
|---|---|
| Date | Dec 31, 2025 |
| Book Page | M2436/775 |
| Instrument | 2014309202 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jan 1, 2046 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Sep 5, 2023 |
| Property Address | 545 MOUNT VERNON RD, BEREA, KY 40403-9536 |
| Document Number | 000D843/60 |
| Book / Page | D843 / 60 |
| Map Reference | MB 1 PG 28 |
| Instrument Date | Sep 1, 2023 |
| Instrument | 2014165311 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 545 MOUNT VERNON RD, BEREA, KY 40403-9536 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Oct 29, 2019 |
| Property Address | 545 MOUNT VERNON RD, BEREA, KY 40403-9536 |
| Document Number | D00780/468 |
| Book / Page | D00780 / 468 |
| Map Reference | MB 1 PG 28 |
| Instrument Date | Oct 17, 2019 |
| Instrument | 2014001392 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Title Company | JETT TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $119.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6002 BATTLEFIELD MEMORIAL HWY, BEREA, KY 40403-8365 |
| Name | Verified Name |
|---|---|
| Address | 545 MOUNT VERNON RD, BEREA, KY 40403-9536 |
| Investor | Possibly a Property Investor |
| Document Number | 2014001393 |
|---|---|
| Date | Oct 29, 2019 |
| Instrument | 2014001393 |
| Name | SIERRA PACIFIC MORTGAGE CO INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2049 |
Source: Madison County assessment roll, as of December 9, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,169.00 (+1.3%) | $124,000 (+4.2%) | $124,000 (+4.2%) |
| 2023 | $1,154.00 | $119,000 | $119,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 8 (10% premium discount) |
| Nearby Flood Policies | 3 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · above 67% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.04% 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.
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 64 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Windstream DSL · Fiber in parts of the area | 200 / 20 |
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