603 Prospect St, Berea, KY 40403 Property Records

Madison County property record for 603 Prospect St, Berea, KY 40403

Property Summary

Property Type	Single Family Home
Details	1,496 sqft
Owner	Individual Name on Record
Last Sale	$128,000 (Aug 2018)
Tax Bill	$1,525 (2025)
Deeds & Mortgages	Nov 2018 Line of Credit Aug 2018 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`B010-0012-0008`

Property Details

APN / Parcel Number

Primary APN	`B010-0012-0008`
Alternative APNs	`108192` `145523` `75688`

Interior

Building Area	1,496 sqft Living Area

Exterior

Exterior Material	Aluminum/Vinyl

Location & Zoning

Account Number	75688
Street Address	603 PROSPECT ST
City	BEREA
State	KY
Zip	40403-1730
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DESC
Jurisdiction	MADISON KY
Township / Civil Division	BEREA
Census Block Group	1
Census Block	1007
Census Tract	11303

Owner

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
Mailing Address	603 PROSPECT ST, BEREA, KY 40403-1730
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 28, 2018	Deed of Trust, Mortgage · Line of Credit US BANK NA
Aug 9, 2018	Deed, Transfer · Conventional Mortgage US BANK NA
Feb 8, 2018	Special Warranty Deed, Transfer
Sep 6, 2017	Commissioner's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 9, 2018 · Amount on Record
Deed Sale	Aug 9, 2018 · Amount on Record
Prior Sale	Feb 8, 2018 · Amount on Record
Deed Document Number	2013979965
Deed Book / Page	D00763 / 077
Record Updated	Jun 8, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	603 PROSPECT ST, BEREA, KY 40403-1730
Transaction Type	Mortgage
Record Updated	Aug 10, 2022
Title Company	SOLIDIFI US INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MC0345/696
Date	Nov 28, 2018
Book Page	MC0345/696
Instrument	2013985194

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 2, 2048

August 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Aug 9, 2018
Property Address	603 PROSPECT ST, BEREA, KY 40403-1730
Document Number	D00763/077
Book / Page	D00763 / 077
Instrument Date	Aug 6, 2018
Instrument	2013979965
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$128.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1905 JACKS CREEK RD, 1905, RICHMOND, KY 40475-9470

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	603 PROSPECT ST, BEREA, KY 40403-1730
Investor	Possibly a Property Investor

Mortgage

Document Number	2013979966
Date	Aug 9, 2018
Instrument	2013979966

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2033

February 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Feb 8, 2018
Property Address	603 PROSPECT ST, BEREA, KY 40403-1730
Document Number	D00755/541
Book / Page	D00755 / 541
Instrument Date	Jan 29, 2018
Instrument	2013971496
Transaction Type	Transfer
Record Updated	Aug 10, 2022

Transaction

Amount	Amount Recorded
Tax	$65.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9990 RICHMOND AVE STE 400, 9990, HOUSTON, TX 77042-4546

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1905 JACKS CREEK RD, RICHMOND, KY 40475-9470

September 2017: Commissioner's Deed, Foreclosure

Document Type	Commissioner's Deed
Jurisdiction	MADISON KY
Recording Date	Sep 6, 2017
Property Address	603 PROSPECT ST, BEREA, KY 40403-1730
Document Number	D00749/693
Book / Page	D00749 / 693
Instrument Date	Mar 9, 2017
Instrument	2013964417
Transaction Type	Foreclosure
Record Updated	Aug 10, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 605, RICHMOND, KY 40476-0605
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Madison County assessment roll, as of April 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
Municipality	Berea City
County	Madison County
Unified School District	Berea Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,525.00 (-8.9%) Additional exemption filed	$128,000 (-)	$128,000 (-)
2023	$1,674.00	$128,000	$128,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective December 21, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 57 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	57 in force
Nearby Flood Claims	2 (2010–2025)
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides

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

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	0.02% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 280 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

May also be available: T-Mobile.

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