Garrard County property record for 643 C Valley Dr, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · built 2000 |
| Lot Size | 7.41 acres (322,914 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,267 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Oct 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 66-45.07 |
| Primary APN | 66-45.07 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Vinyl |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 322,914 sqft (7.41 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 8481 |
|---|---|
| Street Address | 643 C VALLEY DR |
| City | BEREA |
| State | KY |
| Zip | 40403-9456 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT #7 COPPER CREEK VALLEY SUB |
| Legal Subdivision | COPPER CREEK VALLEY SUB |
| Legal Lot Number | 7 |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | PAINT LICK |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 970400 |
Source: Garrard County records, as of September 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 643 C VALLEY DR, BEREA, KY 40403-9456 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 15, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Oct 3, 2025 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | May 15, 2026 |
| Property Address | 643 C VALLEY DR, BEREA, KY 40403-9456 |
| Document Number | 0000215402 |
| Book / Page | 472 / 1 |
| Instrument Date | May 8, 2026 |
| Instrument | 2026215402 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 643 C VALLEY DR, BEREA, KY 40403-9456 |
| Document Number | 0000215402, |
|---|---|
| Date | May 15, 2026 |
| Book Page | 472/1 |
| Instrument | 2026215402 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jun 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Property Address | 643 C VALLEY DR, BEREA, KY 40403-9456 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2025 |
| Name | Verified Name |
|---|---|
| Address | 643 C VALLEY DR, BEREA, KY 40403-9456 |
| Document Number | 00M463/173 |
|---|---|
| Date | Oct 3, 2025 |
| Book Page | M463/173 |
| Instrument | 199754 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2055 |
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 | $140,000 (+16.67%) Land $40,000 Building $100,000 | $140,000 (+16.67%) Land $40,000 Building $100,000 | |
| 2025 | $1,267.00 (-2.46%) Homeowner's exemption | $120,000 (-) Land $20,000 Building $100,000 | $120,000 (-) Land $20,000 Building $100,000 |
| 2024 | $1,299.00 (-1.67%) Homeowner's exemption | $120,000 (-) Land $20,000 Building $100,000 | $120,000 (-) Land $20,000 Building $100,000 |
| 2023 | $1,321.00 (-1.86%) Homeowner's exemption | $120,000 (-) Land $20,000 Building $100,000 | $120,000 (-) Land $20,000 Building $100,000 |
| 2022 | $1,346.00 Homeowner's exemption | $120,000 Land $20,000 Building $100,000 | $120,000 Land $20,000 Building $100,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 2 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Windstream DSL | 25 / 3 |
No cell data coverage reported
Search by:
By searching, you agree to: Terms • Privacy • Disclosures