644 Northfork Dr, Berea, KY 40403 Property Records

Madison County property record for 644 Northfork Dr, Berea, KY 40403

Property Summary

Property Type	Other
Owner	Individual Name on File
Last Sale	$221,200 (Jun 2022)
Tax Bill	$2,085 (2025)
Deeds & Mortgages	Jul 2018 Mortgage Jun 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0072-016B-0046`

Property Details

APN / Parcel Number

Primary APN	`0072-016B-0046`
Alternative APNs	`112433` `75557` `41633`

Location & Zoning

Account Number	41633
Street Address	644 NORTHFORK DR
City	BEREA
State	KY
Zip	40403-8122
Property Category	Other
Property Type	Other > Miscellaneous
Legal Description	STONEY CREEK LOT 46 UNIT 1 BLK 1
Legal Subdivision	STONEY CREEK
Legal Block	1
Legal Lot Number	46
Legal Unit	1
Jurisdiction	MADISON KY
Township / Civil Division	RICHMOND
Census Block Group	1
Census Block	1034
Census Tract	10901

Owner

Source: Madison County assessment roll, as of April 1, 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 File
Mailing Address	644 NORTHFORK DR, BEREA, KY 40403-8122
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2018	Deed of Trust, Mortgage PEOPLES BANK NA
Jun 7, 2022	Deed, Transfer · Conventional Mortgage STOCK YARDS BANK & TRUST CO
Jun 25, 2019	Deed, Transfer · FHA Mortgage CITIZENS BANK NA
Nov 6, 2018	Deed, Transfer · Conventional Mortgage STOCKTON MORTGAGE CORP

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 7, 2022 · Amount on Record
Deed Sale	Jun 7, 2022 · Amount on Record
Prior Sale	Jun 25, 2019 · Amount on Record
Deed Document Number	2014095169
Deed Book / Page	D824 / 231
Record Updated	Jun 8, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	644 NORTHFORK DR, BEREA, KY 40403-8122
Transaction Type	Mortgage
Record Updated	Feb 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	M01812/591
Date	Jul 6, 2018
Book Page	M01812/591
Instrument	2013978316

Lender

Name	PEOPLES BANK NA
Type	Bank
Address	BEREA, KY 40403

Agreement

Amount	Amount Recorded

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Jun 7, 2022
Property Address	644 NORTHFORK DR, BEREA, KY 40403-8122
Document Number	00D824/231
Book / Page	D824 / 231
Map Reference	MB 28 PG 14
Instrument Date	Jun 3, 2022
Instrument	2014095169
Transaction Type	Transfer
Record Updated	Feb 2, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$221.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	644 NORTHFORK DR, BEREA, KY 40403-8122

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3012 MICHELLE DR, RICHMOND, KY 40475

Mortgage

Document Number	2014095170
Date	Jun 7, 2022
Instrument	2014095170

Lender

Name	STOCK YARDS BANK & TRUST CO
Type	Bank

Agreement

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

June 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Jun 25, 2019
Property Address	644 NORTHFORK DR, BEREA, KY 40403-8122
Document Number	D00775/128
Book / Page	D00775 / 128
Map Reference	MB 28 PG 14
Instrument Date	Jun 21, 2019
Instrument	2013994492
Transaction Type	Transfer
Record Updated	Feb 2, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$167.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	644 NORTHFORK DR, BEREA, KY 40403-8122

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	644 NORTHFORK DR, BEREA, KY 40403-8122

Mortgage

Document Number	2013994493
Date	Jun 25, 2019
Instrument	2013994493

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

November 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Nov 6, 2018
Property Address	644 NORTHFORK DR, BEREA, KY 40403-8122
Document Number	D00766/520
Book / Page	D00766 / 520
Map Reference	MBP28 PG14
Instrument Date	Oct 29, 2018
Instrument	2013984344
Transaction Type	Transfer
Record Updated	Feb 2, 2024

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$160.00
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
Relationship	Right of Survivorship
Address	644 N FRK DR, BEREA, KY 40403-8122

Mortgage

Document Number	2013984345
Date	Nov 6, 2018
Instrument	2013984345

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2048

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	$2,085.00 (-2.8%) Additional exemption filed	$221,200 (-)	$221,200 (-)
2023	$2,145.00	$221,200	$221,200

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

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 Holdings Fiber	5,120 / 5,120
Uniti Group 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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