Madison County property record for 606 Prospect St, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 1,220 sqft |
| Lot Size | 0.245 acres (10,689 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $175,000 (May 2026) |
| Tax Bill | $953 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage May 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | B010-0011-0009 |
| Primary APN | B010-0011-0009 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,220 sqft Living Area |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Lot Area | 10,689 sqft (0.245 acres) |
| Account Number | 67330 |
|---|---|
| Street Address | 606 PROSPECT ST |
| City | BEREA |
| State | KY |
| Zip | 40403-1731 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DEAN SUB LOT 5 - 8 BLK C |
| Legal Subdivision | DEAN |
| Legal Block | C |
| Legal Lot Number | 5 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 11304 |
Source: Madison County records, as of August 24, 2026
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 | 606 PROSPECT ST, BEREA, KY 40403-1731 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Man |
| Date | Document |
|---|---|
| Jan 25, 2022 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| May 19, 2026 | Deed, Transfer · FHA Mortgage DFT2 FINANCIAL LLC |
| May 19, 2026 | Deed, Transfer · FHA Mortgage DFT2 FINANCIAL LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 19, 2026 · Amount on Record |
| Deed Sale | May 19, 2026 · Amount on Record |
| Prior Sale | Sep 27, 2024 · Amount on Record |
| Deed Document Number | 202614349754 |
| Deed Book / Page | 883 / 7 |
| Prior Transfer Date | Aug 27, 2024 |
| Prior Transfer Doc | 0014219176 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 606 PROSPECT ST, BEREA, KY 40403-1731 |
| Transaction Type | Mortgage |
| Record Updated | Jun 5, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0M2128/206 |
|---|---|
| Date | Jan 25, 2022 |
| Book Page | M2128/206 |
| Instrument | 2014073974 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | May 19, 2026 |
| Property Address | 606 PROSPECT ST, BEREA, KY 40403-1731 |
| Document Number | 0014349754 |
| Book / Page | 883 / 7 |
| Instrument Date | May 6, 2026 |
| Instrument | 202614349754 |
| Transaction Type | Transfer |
| Record Updated | Jun 2, 2026 |
| Title Company | LAND GROUP TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $17,675.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 606 PROSPECT ST, BEREA, KY 40403-1731 |
| Document Number | 0014349755, |
|---|---|
| Date | May 19, 2026 |
| Instrument | 202614349755 |
| Name | DFT2 FINANCIAL LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.46% |
|---|---|
| Max Rate | -1% |
| Document Number | 0014349756, |
|---|---|
| Date | May 19, 2026 |
| Book Page | 2469/331 |
| Instrument | 202614349756 |
| Name | KENTUCKY HOUSING CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 15 Months |
| Due | Jun 1, 2041 |
| Rate | 6.46% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | May 19, 2026 |
| Property Address | 606 PROSPECT ST, BEREA, KY 40403-1731 |
| Document Number | 0000D883/7 |
| Book / Page | 883 / 7 |
| Instrument Date | May 6, 2026 |
| Instrument | 202614349754 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2026 |
| Title Company | LAND TITLE, LAND GROUP TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $17,675.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 606 PROSPECT ST, BEREA, KY 40403-1731 |
| Document Number | 0014349755, |
|---|---|
| Date | May 19, 2026 |
| Instrument | 202614349755 |
| Name | DFT2 FINANCIAL LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Max Rate | -1% |
|---|
| Document Number | 0014349756, |
|---|---|
| Date | May 19, 2026 |
| Book Page | 2469/331 |
| Instrument | 202614349756 |
| Name | KENTUCKY HOUSING CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 1, 2041 |
| Max Rate | -1% |
|---|
Source: Madison County assessment roll, as of December 9, 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 | $953.00 (+24.58%) | $80,000 (+36.75%) | $80,000 (+36.75%) |
| 2023 | $765.00 | $58,500 | $58,500 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 20 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 20 in force |
| Nearby Flood Claims | 8 (2010–2026) |
| Claims Outside the SFHA | 2 of 8 |
| Most Recent Claim | Jun 2026 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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 | 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 |
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