Madison County property record for 603 Chestnut St, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,927 sqft |
| Owner | Individual Name on Record |
| Last Sale | $125,000 (Aug 2021) |
| Tax Bill | $2,503 (2025) |
| Deeds & Mortgages | Sep 2017 Mortgage Nov 2017 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | B006-0008-0002 |
| Primary APN | B006-0008-0002 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 2,927 sqft Living Area |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Garage Type | Detached |
| Garage Area | 598 sqft |
| Parking Spaces | 2 Parking Spaces |
| Account Number | 64252 |
|---|---|
| Street Address | 603 CHESTNUT ST |
| City | BEREA |
| State | KY |
| Zip | 40403-1514 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 8 & PT 7 & 9 |
| Legal Lot Number | 8 |
| 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 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 | 603 CHESTNUT ST, BEREA, KY 40403-1514 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 11, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CENTRAL BANK & TRUST CO |
| Nov 9, 2017 | Deed of Trust, Mortgage · Line of Credit CENTRAL BANK & TRUST CO |
| Nov 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CENTRAL BANK & TRUST CO |
| Aug 25, 2021 | Deed, Transfer · Commercial Mortgage CENTRAL BANK & TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 25, 2021 · Amount on Record |
| Deed Sale | Aug 25, 2021 · Amount on Record |
| Deed Document Number | 2014049938 |
| Deed Book / Page | D810 / 374 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 603 CHESTNUT ST, BEREA, KY 40403-1514 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | M01763/780 |
|---|---|
| Date | Sep 11, 2017 |
| Book Page | M01763/780 |
| Instrument | 2013964599 |
| Name | CENTRAL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40507 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 603 CHESTNUT ST, BEREA, KY 40403-1514 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | M01774/209 |
|---|---|
| Date | Nov 9, 2017 |
| Book Page | M01774/209 |
| Instrument | 2013967585 |
| Name | CENTRAL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40507 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Oct 23, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 603 CHESTNUT ST, BEREA, KY 40403-1514 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0M2112/363 |
|---|---|
| Date | Nov 22, 2021 |
| Book Page | M2112/363 |
| Instrument | 2014064974 |
| Name | CENTRAL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40507 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Aug 25, 2021 |
| Property Address | 603 CHESTNUT ST, BEREA, KY 40403-1514 |
| Document Number | 00D810/374 |
| Book / Page | D810 / 374 |
| Instrument Date | Aug 23, 2021 |
| Instrument | 2014049938 |
| Transaction Type | Transfer |
| Record Updated | Feb 17, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $125.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1495 DISPUTANTA RD, MOUNT VERNON, KY 40456-7319 |
| Name | Verified Name |
|---|---|
| Address | 603 CHESTNUT ST, BEREA, KY 40403-1514 |
| Document Number | 2014049939 |
|---|---|
| Date | Aug 25, 2021 |
| Instrument | 2014049939 |
| Name | CENTRAL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Aug 23, 2022 |
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 | $2,503.00 (+18.91%) Additional exemption filed | $210,000 (+30.43%) | $210,000 (+30.43%) |
| 2023 | $2,105.00 | $161,000 | $161,000 |
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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