Madison County property record for 628 Walnut Creek Dr, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.43 acres (18,757 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $270,000 (Mar 2022) |
| Tax Bill | $2,546 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit Mar 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0060-0034-0197 |
| Primary APN | 0060-0034-0197 |
|---|---|
| Alternative APNs |
|
| Lot Area | 18,757 sqft (0.43 acres) |
|---|
| Account Number | 75144 |
|---|---|
| Street Address | 628 WALNUT CREEK DR |
| City | BEREA |
| State | KY |
| Zip | 40403-8773 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CREEKSIDE VILLAGE LOT 197 |
| Legal Subdivision | CREEKSIDE VILLAGE |
| Legal Lot Number | 197 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 11401 |
628 Walnut Creek Dr is owned and occupied by two individuals who bought it in March 2022.
Source: Madison County records, as of May 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 628 WALNUT CREEK DR, BEREA, KY 40403-8773 |
| 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 |
|---|---|
| May 18, 2026 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Mar 24, 2022 | Deed, Transfer · VA Mortgage ROCKET MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 24, 2022 · Amount on File |
| Deed Sale | Mar 24, 2022 · Amount on File |
| Prior Sale | Mar 7, 2022 · Amount on File |
| Deed Document Number | 202214083063 |
| Deed Book / Page | 820 / 455 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | May 18, 2026 |
| Property Address | 628 WALNUT CREEK DR, BEREA, KY 40403-8773 |
| Document Number | 0014349373 |
| Book / Page | 2468 / 764 |
| Instrument Date | May 9, 2026 |
| Instrument | 202614349373 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 628 WALNUT CREEK DR, BEREA, KY 40403-8773 |
| Document Number | 0014349373, |
|---|---|
| Date | May 18, 2026 |
| Book Page | 2468/764 |
| Instrument | 202614349373 |
| Name | FIGURE LENDING LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 4, 2056 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Mar 24, 2022 |
| Property Address | 628 WALNUT CREEK DR, BEREA, KY 40403-8773 |
| Document Number | 00D820/455 |
| Book / Page | D820 / 455 |
| Map Reference | CAB 24 SL 67 |
| Instrument Date | Mar 22, 2022 |
| Instrument | 2014083063 |
| Transaction Type | Transfer |
| Record Updated | Feb 17, 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 | $270.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3558 BEREA RD, RICHMOND, KY 40475-8813 |
| Name | Verified Name |
|---|---|
| Address | 628 WALNUT CREEK DR, BEREA, KY 40403-8773 |
| Document Number | 2014083066 |
|---|---|
| Date | Mar 24, 2022 |
| Instrument | 2014083066 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
The 2025 property tax bill for 628 Walnut Creek Dr was $2,546.
Source: Madison County assessment roll, as of December 9, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| Municipality | Berea City |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,546.00 | $270,000 | $270,000 |
| 2023 | $2,619.00 | $270,000 | $270,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 628 Walnut Creek Dr in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 628 Walnut Creek Dr is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 66% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.02% 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 | SOUTHERN MADISON WATER DISTRICT serves 14,707 people · EPA ID KY0760407 |
|---|---|
| Water Source | Purchased surface water from BEREA MUNICIPAL UTILITIES |
| Last State Inspection | May 2023 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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 218 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Windstream DSL | 200 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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