Garrard County property record for 617 Calico Rd, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | built 1999 |
| Lot Size | 2.99 acres (130,244 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $143,250 (Jun 2008) |
| Tax Bill | $1,508 (2025) |
| Deeds & Mortgages | Jul 2026 Construction Loan Mar 2007 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 69A-23 |
| Primary APN | 69A-23 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Vinyl |
| Lot Area | 130,244 sqft (2.99 acres) |
| Garage Type | Basement |
| Account Number | 13114 |
|---|---|
| Street Address | 617 CALICO RD |
| City | BEREA |
| State | KY |
| Zip | 40403-9425 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TR #3 2.99 AC |
| Legal Subdivision | COUNTRY LIVING |
| Legal Tract | 3 |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | PAINT LICK |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 970400 |
617 Calico Rd is owned and occupied by two individuals who bought it in June 2008.
Source: Garrard County records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 617 CALICO RD, BEREA, KY 40403-9425 |
| 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.
| Date | Document |
|---|---|
| Jul 30, 2026 | Deed of Trust, Mortgage · Construction Mortgage CUMBERLAND VALLEY NATIONAL BANK |
| Mar 9, 2007 | Deed of Trust, Mortgage · Conventional Mortgage NATIONAL CITY MORTGAGE |
| Sep 27, 2012 | Deed of Trust, Mortgage MORTGAGE SUPPLIERS INC |
| Jun 5, 2008 | Deed, Transfer · Conventional Mortgage REPUBLIC STATE MORTGAGE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 5, 2008 · Amount on File |
| Deed Sale | Jun 5, 2008 · Amount on File |
| Deed Book / Page | 249 / 843 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Jul 30, 2026 |
| Property Address | 617 CALICO RD, BEREA, KY 40403-9425 |
| Document Number | 0000219295 |
| Book / Page | 475 / 417 |
| Instrument Date | Jul 13, 2026 |
| Instrument | 2026219295 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 617 CALICO RD, BEREA, KY 40403-9425 |
| Document Number | 0000219295, |
|---|---|
| Date | Jul 30, 2026 |
| Book Page | 475/417 |
| Instrument | 2026219295 |
| Name | CUMBERLAND VALLEY NATIONAL BANK |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Jul 13, 2027 |
| Rate | 6.52% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Property Address | 617 CALICO RD, BEREA, KY 40403-9425 |
| Transaction Type | Mortgage |
| Record Updated | May 5, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 00M270/228 |
|---|---|
| Date | Mar 9, 2007 |
| Book Page | M270/228 |
| Instrument | 82991 |
| Name | NATIONAL CITY MORTGAGE |
|---|---|
| Address | MIAMISBURG, OH 45342 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Property Address | 617 CALICO RD, BEREA, KY 40403-9425 |
| Transaction Type | Mortgage |
| Record Updated | May 5, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000317/599 |
|---|---|
| Date | Sep 27, 2012 |
| Book Page | 317/599 |
| Instrument | 113650 |
| Name | MORTGAGE SUPPLIERS INC |
|---|---|
| Address | WINCHESTER, KY 40391 |
| Amount | Amount on Record |
|---|---|
| Term | 361 Months |
| Due | Oct 1, 2042 |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Jun 5, 2008 |
| Property Address | 617 CALICO RD, BEREA, KY 40403-9425 |
| Document Number | 000249/843 |
| Book / Page | 249 / 843 |
| Transaction Type | Transfer |
| Record Updated | May 5, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 00M284/222 |
|---|---|
| Date | Jun 5, 2008 |
| Book Page | M284/222 |
| Instrument | 95388 |
| Name | REPUBLIC STATE MORTGAGE CO |
|---|---|
| Address | HOUSTON, TX 77005 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2038 |
The 2025 property tax bill for 617 Calico Rd was $1,508, down 0.5% from the year before.
Source: Garrard County assessment roll, as of May 5, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Garrard County |
| Unified School District | Garrard County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $170,000 (+14.86%) Land $30,000 Building $140,000 | $170,000 (+14.86%) Land $30,000 Building $140,000 | |
| 2025 | $1,508.00 (-0.46%) | $148,000 (-) Land $148,000 | $148,000 (-) Land $148,000 |
| 2024 | $1,515.00 (-2.88%) | $148,000 (-) Land $148,000 | $148,000 (-) Land $148,000 |
| 2023 | $1,560.00 (-0.95%) | $148,000 (-) Land $148,000 | $148,000 (-) Land $148,000 |
| 2022 | $1,575.00 | $148,000 Land $148,000 | $148,000 Land $148,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 617 Calico Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1991.
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 |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 2 (1991–2010) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | May 2010 · Severe Storms, Flooding, Mudslides, And Tornadoes |
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 617 Calico Rd is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · above 70% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
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 | GARRARD CO WATER ASSOC INC private · serves 14,806 people · EPA ID KY0400151 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jun 2024 |
| 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 | 1 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 14 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber | 2,000 / 2,000 |
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