Madison County property record for 592 Chestnut St, Berea, KY 40403
| Property Type | Commercial |
|---|---|
| Details | 3,643 sqft |
| Owner | Company Name on Record |
| Last Sale | $220,000 (Jan 2015) |
| Tax Bill | $2,860 (2025) |
| Deeds & Mortgages | Aug 2026 Construction Loan Aug 2026 Construction Loan + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | B006-0007-0030 |
| Primary APN | B006-0007-0030 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 3,643 sqft Base Area |
| Office | 5,071 sqft |
| Exterior Material | Wood |
|---|---|
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 72979 |
|---|---|
| Street Address | 592 CHESTNUT ST |
| City | BEREA |
| State | KY |
| Zip | 40403-1976 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | LESTER ADDT PT LOT 6 |
| Legal Subdivision | LESTER ADDT |
| Legal Lot Number | 6 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 11201 |
Source: Madison County records, as of December 8, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 591 CHESTNUT ST, BEREA, KY 40403-1512 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Date | Document |
|---|---|
| Aug 12, 2026 | Deed of Trust, Mortgage · Construction Mortgage CUMBERLAND VALLEY NATIONAL BANK |
| Aug 12, 2026 | Deed of Trust, Mortgage · Construction Mortgage CUMBERLAND VALLEY NATIONAL BANK |
| May 7, 2018 | Deed of Trust, Mortgage · Commercial Mortgage COMMUNITY TRUST BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 29, 2015 · Amount on Record |
| Deed Sale | Jan 29, 2015 · Amount on Record |
| Deed Document Number | 0000712388 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Aug 12, 2026 |
| Property Address | 592 CHESTNUT ST, BEREA, KY 40403-1976 |
| Document Number | 0014368230 |
| Book / Page | 2492 / 411 |
| Instrument Date | Aug 5, 2026 |
| Instrument | 202614368230 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership, 266 |
| Address | 592 CHESTNUT ST, BEREA, KY 40403-1976 |
| Document Number | 0014368230, |
|---|---|
| Date | Aug 12, 2026 |
| Book Page | 2492/411 |
| Instrument | 202614368230 |
| Name | CUMBERLAND VALLEY NATIONAL BANK |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Aug 5, 2031 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Aug 12, 2026 |
| Property Address | 592 CHESTNUT ST, BEREA, KY 40403-1976 |
| Document Number | 0014368221 |
| Book / Page | 2492 / 402 |
| Instrument Date | Aug 5, 2026 |
| Instrument | 202614368221 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership, 266 |
| Address | 592 CHESTNUT ST, BEREA, KY 40403-1976 |
| Document Number | 0014368221, |
|---|---|
| Date | Aug 12, 2026 |
| Book Page | 2492/402 |
| Instrument | 202614368221 |
| Name | CUMBERLAND VALLEY NATIONAL BANK |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 5, 2046 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 592 CHESTNUT ST, BEREA, KY 40403-1976 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | M01802/064 |
|---|---|
| Date | May 7, 2018 |
| Book Page | M01802/064 |
| Instrument | 2013975415 |
| Name | COMMUNITY TRUST BANK |
|---|---|
| Type | Bank |
| Address | RICHMOND, KY 40475 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 1, 2038 |
Source: Madison County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| Municipality | Berea City |
| County | Madison County |
| Unified School District | Berea Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,860.00 (-0.59%) Additional exemption filed | $240,000 (+9.09%) | $240,000 (+9.09%) |
| 2023 | $2,877.00 | $220,000 | $220,000 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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 | 0.01% annual chance |
| Exposure | Indirect within ember reach |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 364 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 |
| AT&T Fixed Wireless | 100 / 20 |
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