Madison County property record for 605 Prospect St, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 1,508 sqft |
| Owner | 2 Individual Names on File |
| Last Sale | $241,000 (Oct 2023) |
| Tax Bill | $2,872 (2025) |
| Deeds & Mortgages | Oct 2023 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | B010-0012-0007 |
| Primary APN | B010-0012-0007 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,508 sqft Living Area |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Garage Type | Detached |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Floor/Wall Furnace |
| Account Number | 75679 |
|---|---|
| Street Address | 605 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 |
605 Prospect St is owned and occupied by two individuals who bought it in October 2023.
Source: Madison County records, as of December 8, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 605 PROSPECT ST, BEREA, KY 40403-1730 |
| 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.
| Deed Names | 3 Names on Deed |
|---|---|
| Last Sale | Oct 3, 2023 · Amount on File |
| Deed Sale | Oct 3, 2023 · Amount on File |
| Deed Document Number | 2014169906 |
| Deed Book / Page | D844 / 282 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Oct 3, 2023 |
| Property Address | 605 PROSPECT ST, BEREA, KY 40403-1730 |
| Document Number | 00D844/282 |
| Book / Page | D844 / 282 |
| Instrument Date | Sep 29, 2023 |
| Instrument | 2014169906 |
| Transaction Type | Transfer |
| Record Updated | Dec 11, 2023 |
| Title Company | BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $241.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2502 GUYNN RD, PAINT LICK, KY 40461-8410 |
| Name | Verified Name |
|---|---|
| Address | 605 PROSPECT ST, BEREA, KY 40403-1730 |
| Document Number | 2014169909 |
|---|---|
| Date | Oct 3, 2023 |
| Instrument | 2014169909 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2053 |
The 2025 property tax bill for 605 Prospect St was $2,872 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 | Berea Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,872.00 Additional exemption filed | $241,000 | $241,000 |
| 2023 | $1,569.00 (+165.93%) | $120,000 (+37.93%) | $120,000 (+37.93%) |
| 2022 | $590.00 Homeowner's exemption | $87,000 | $87,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 605 Prospect St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 File 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 risk around 605 Prospect St is low, with a 0.01% annual chance of 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 | 0.01% annual chance |
| Exposure | None beyond 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 182 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Windstream Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures