Madison County property record for 595 Chestnut St, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,591 sqft |
| Owner | Individual Name on Record |
| Last Sale | $250,000 (Dec 2022) |
| Tax Bill | $2,980 (2025) |
| Deeds & Mortgages | Dec 2022 Sale & Mortgage Jun 2020 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | B006-0008-0006 |
| Primary APN | B006-0008-0006 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,591 sqft Living Area |
| Exterior Material | Aluminum/Vinyl |
|---|
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 73554 |
|---|---|
| Street Address | 595 CHESTNUT ST |
| City | BEREA |
| State | KY |
| Zip | 40403-1512 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HANSON ADDT LOT 3 |
| Legal Subdivision | HANSON ADD |
| Legal Lot Number | 3 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 11301 |
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 | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 595 CHESTNUT ST, BEREA, KY 40403-1512 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 12, 2022 | Warranty Deed, Transfer · FHA Mortgage LOWERCOM LLC |
| Jun 5, 2020 | Deed of Trust, Mortgage · Line of Credit PEOPLES BANK & TRUST CO OF MADISON CNTY |
| Jul 21, 2017 | Warranty Deed, Transfer · Conventional Mortgage MORTGAGE SUPPLIERS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 12, 2022 · Amount on Record |
| Deed Sale | Dec 12, 2022 · Amount on Record |
| Prior Sale | Jul 21, 2017 · Amount on Record |
| Deed Document Number | 2014123211 |
| Deed Book / Page | D832 / 473 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Dec 12, 2022 |
| Property Address | 595 CHESTNUT ST, BEREA, KY 40403-1512 |
| Document Number | 00D832/473 |
| Book / Page | D832 / 473 |
| Instrument Date | Dec 9, 2022 |
| Instrument | 2014123211 |
| Transaction Type | Transfer |
| Record Updated | Dec 30, 2022 |
| Title Company | SPRINGDALE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $250.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 595 CHESTNUT ST, BEREA, KY 40403-1512 |
| Document Number | 2014123212 |
|---|---|
| Date | Dec 12, 2022 |
| Instrument | 2014123212 |
| Name | LOWERCOM LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2053 |
| Document Number | 0M2206/733 |
|---|---|
| Date | Dec 12, 2022 |
| Book Page | M2206/733 |
| Instrument | 2014123213 |
| Name | LEXINGTON-FAYETTE URBAN COUNTY GOV |
|---|---|
| Type | Government Agency |
| Address | FRANKFORT, KY 40601 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Jan 1, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 595 CHESTNUT ST, BEREA, KY 40403-1512 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | M01945/690 |
|---|---|
| Date | Jun 5, 2020 |
| Book Page | M01945/690 |
| Instrument | 2014013315 |
| Name | PEOPLES BANK & TRUST CO OF MADISON CNTY |
|---|---|
| Type | Bank |
| Address | BEREA, KY 40403 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jul 21, 2017 |
| Property Address | 595 CHESTNUT ST, BEREA, KY 40403-1512 |
| Document Number | D00747/732 |
| Book / Page | D00747 / 732 |
| Instrument Date | Jul 14, 2017 |
| Instrument | 2013961973 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $146.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 316 PINE ST, 316, BEREA, KY 40403-1017 |
| Name | Verified Name |
|---|---|
| Address | 595 CHESTNUT ST, BEREA, KY 40403-1512 |
| Document Number | 2013961974 |
|---|---|
| Date | Jul 21, 2017 |
| Instrument | 2013961974 |
| Name | MORTGAGE SUPPLIERS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2047 |
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 | $2,980.00 (-8.87%) Additional exemption filed | $250,000 (-) | $250,000 (-) |
| 2023 | $3,270.00 | $250,000 | $250,000 |
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 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.01% 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 | 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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