Madison County property record for 560 Sapphire Dr, Berea, KY 40403
| Property Type | Other |
|---|---|
| Owner | Individual Name on File |
| Last Sale | $204,000 (May 2021) |
| Tax Bill | $1,923 (2025) |
| Deeds & Mortgages | May 2024 Mortgage May 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0072-0017-0108 |
| Primary APN | 0072-0017-0108 |
|---|---|
| Alternative APNs |
|
| Account Number | 65396 |
|---|---|
| Street Address | 560 SAPPHIRE DR |
| City | BEREA |
| State | KY |
| Zip | 40403-9368 |
| Property Category | Other |
| Property Type | Other > Miscellaneous |
| Legal Description | STONEY CREEK LOT 108 UNIT 2 BLK 1 |
| Legal Subdivision | STONEY CREEK |
| Legal Phase | 1 |
| Legal Block | 1 |
| Legal Lot Number | 108 |
| Legal Unit | 2 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | RICHMOND |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 10901 |
560 Sapphire Dr is owned and occupied by an individual who bought it in May 2021.
Source: Madison County records, as of December 8, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 560 SAPPHIRE DR, BEREA, KY 40403-9368 |
| 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.
| Date | Document |
|---|---|
| May 1, 2024 | Deed of Trust, Mortgage · Stand-Alone First Mortgage FIFTH THIRD BANK NA |
| May 27, 2021 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage DAS ACQUISITION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 27, 2021 · Amount on File |
| Deed Sale | May 27, 2021 · Amount on File |
| Deed Document Number | 2014038636 |
| Deed Book / Page | D806 / 73 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 560 SAPPHIRE DR, BEREA, KY 40403-9368 |
| Transaction Type | Mortgage |
| Record Updated | May 20, 2024 |
| Title Company | BRYTH TITLE AND ESCROW, BLYTHE TITLE AND ESCROW |
| Name | Verified Name |
|---|---|
| Address | 560 SAPPHIRE DR, BEREA, KY 40403-9368 |
| Document Number | 0M2296/147 |
|---|---|
| Date | May 1, 2024 |
| Book Page | M2296/147 |
| Instrument | 2014201511 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Apr 25, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | May 27, 2021 |
| Property Address | 560 SAPPHIRE DR, BEREA, KY 40403-9368 |
| Document Number | 000D806/73 |
| Book / Page | D806 / 73 |
| Map Reference | MB 29 PG 37 |
| Instrument Date | May 24, 2021 |
| Instrument | 2014038636 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 2, 2024 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $204.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5668 SCAFFOLD CANE RD, MOUNT VERNON, KY 40456-7192 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 560 SAPPHIRE DRIVE, BEREA, KY 40403-9368 |
| Document Number | 2014038637 |
|---|---|
| Date | May 27, 2021 |
| Instrument | 2014038637 |
| Name | DAS ACQUISITION |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2051 |
The 2025 property tax bill for 560 Sapphire Dr was $1,923 with an additional exemption.
Source: Madison County assessment roll, as of April 1, 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 | $1,923.00 Additional exemption filed | $204,000 | $204,000 |
| 2023 | $1,978.00 | $204,000 | $204,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 560 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 560 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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