Madison County property record for 640 Walnut Creek Dr, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.178 acres (7,788 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $129,500 (May 2017) |
| Tax Bill | $1,489 (2025) |
| Deeds & Mortgages | Mar 2023 Mortgage May 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0060-0034-0162 |
| Primary APN | 0060-0034-0162 |
|---|---|
| Alternative APNs |
|
| Lot Area | 7,788 sqft (0.178 acres) |
|---|
| Account Number | 46896 |
|---|---|
| Street Address | 640 WALNUT CREEK DR |
| City | BEREA |
| State | KY |
| Zip | 40403-8773 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CREEKSIDE VILLAGE LOT 162 |
| Legal Subdivision | CREEKSIDE VILLAGE |
| Legal Lot Number | 162 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 11401 |
640 Walnut Creek Dr is owned and occupied by two individuals who bought it in May 2017.
Source: Madison County records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 640 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 |
|---|---|
| Mar 28, 2023 | Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| May 2, 2017 | Deed, Transfer · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 2, 2017 · Amount on File |
| Deed Sale | May 2, 2017 · Amount on File |
| Deed Document Number | 20172013958010 |
| Deed Book / Page | 00744 / 94 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 640 WALNUT CREEK DR, BEREA, KY 40403-8773 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2023 |
| Title Company | NOT AVAILABLE, FAMS DTO REC |
| Name | Verified Name |
|---|---|
| Address | 640 WALNUT CREEK DR, BEREA, KY 40403-8773 |
| Document Number | 0M2224/398 |
|---|---|
| Date | Mar 28, 2023 |
| Book Page | M2224/398 |
| Instrument | 2014138055 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ANAHEIM, CA 92806 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 469 Months |
| Due | Apr 1, 2062 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | May 2, 2017 |
| Property Address | 640 WALNUT CREEK DR, BEREA, KY 40403-8773 |
| Document Number | D00744/094 |
| Book / Page | D00744 / 094 |
| Map Reference | CAB24 SL67 |
| Instrument Date | Apr 28, 2017 |
| Instrument | 2013958010 |
| Transaction Type | Transfer |
| Record Updated | Feb 17, 2023 |
| Title Company | BRIDGE TRUST TITLE GROUP |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $129.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 108 W MAPLE ST, NICHOLASVILLE, KY 40356-1238 |
| Name | Verified Name |
|---|---|
| Address | 640 WALNUT CREEK DR, BEREA, KY 40403-8773 |
| Document Number | 2013958011 |
|---|---|
| Date | May 2, 2017 |
| Instrument | 2013958011 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2047 |
The 2025 property tax bill for 640 Walnut Creek Dr was $1,489.
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 | $1,489.00 | $158,000 | $158,000 |
| 2023 | $1,348.00 | $139,000 | $139,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 640 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 640 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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