637 Northfork Dr, Berea, KY 40403 Property Records

Madison County property record for 637 Northfork Dr, Berea, KY 40403

Property Summary

Property Type	Other
Owner	Individual Name on Record
Last Sale	$200,000 (Dec 2021)
Tax Bill	$1,886 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage May 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0072-016B-0078`

Property Details

APN / Parcel Number

Primary APN	`0072-016B-0078`
Alternative APNs	`114214` `77315` `43493`

Location & Zoning

Account Number	43493
Street Address	637 NORTHFORK DR
City	BEREA
State	KY
Zip	40403-8122
Property Category	Other
Property Type	Other > Miscellaneous
Legal Description	STONEY CREEK LOT 78 UNIT 1 BLK 1
Legal Subdivision	STONEY CREEK
Legal Block	1
Legal Lot Number	78
Legal Unit	1
Jurisdiction	MADISON KY
Township / Civil Division	RICHMOND
Census Block Group	1
Census Block	1032
Census Tract	10901

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	637 NORTHFORK DR, BEREA, KY 40403-8122
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2021	Deed, Transfer · Conventional Mortgage PEOPLES EXCHANGE BANK
May 28, 2020	Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
May 17, 2019	Deed, Construction Loan · Construction Mortgage PEOPLES BANK & TRUST CO OF MADISON

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 9, 2021 · Amount on Record
Deed Sale	Dec 9, 2021 · Amount on Record
Prior Sale	May 28, 2020 · Amount on Record
Deed Document Number	2014067930
Deed Book / Page	D815 / 402
Record Updated	Jun 8, 2026

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Dec 9, 2021
Property Address	637 NORTHFORK DR, BEREA, KY 40403-8122
Document Number	00D815/402
Book / Page	D815 / 402
Map Reference	MB 28 PG 14
Instrument Date	Dec 6, 2021
Instrument	2014067930
Transaction Type	Transfer
Record Updated	Feb 2, 2024

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1644 8TH AVE S, CLINTON, IA 52732-5325

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	637 NORTHFORK DR, BEREA, KY 40403-8122

Mortgage

Document Number	2014067931
Date	Dec 9, 2021
Instrument	2014067931

Lender

Name	PEOPLES EXCHANGE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

May 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	May 28, 2020
Property Address	637 NORTHFORK DR, BEREA, KY 40403-8122
Document Number	D00788/373
Book / Page	D00788 / 373
Map Reference	MB P28 PG 14
Instrument Date	May 20, 2020
Instrument	2014012835
Transaction Type	Transfer
Record Updated	Feb 2, 2024
Title Company	FOUNDATION TITLE LLC-LIVINGSTON, FOUNDATION T&E LEXINGTON

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$166.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 506, BEREA, KY 40403-0506

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	637 NORTHFORK DR, BEREA, KY 40403-8122

Mortgage

Document Number	2014012836
Date	May 28, 2020
Instrument	2014012836

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

May 2019: Deed, Construction Loan

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	May 17, 2019
Property Address	637 NORTHFORK DR, BEREA, KY 40403-8122
Document Number	D00773/588
Book / Page	D00773 / 588
Map Reference	PG P28 PG 14
Instrument Date	May 16, 2019
Instrument	2013992696
Transaction Type	Construction Loan
Record Updated	Feb 2, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	212 N 2ND ST, RICHMOND, KY 40475-1408

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	414 DREYFUS ROAD, RICHMOND, KY 40475
Investor	Possibly a Property Investor

Mortgage

Document Number	2013992698
Date	May 17, 2019
Instrument	2013992698

Lender

Name	PEOPLES BANK & TRUST CO OF MADISON
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

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	Madison County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,886.00 (-2.78%) Additional exemption filed	$200,000 (-)	$200,000 (-)
2023	$1,940.00	$200,000	$200,000

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	4 (1979–2023)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Feb 2023 · rainfall accumulation

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 65% of the US · above 67% of Kentucky
Wildfire Likelihood	0.05% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 130 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	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Northfork Dr

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