Garrard County property record for 645 Calico Rd, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Lot Size | 2.13 acres (93,107 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $51,000 (Jun 2024) |
| Tax Bill | $4,201 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage Sep 2023 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 69A-22 |
| Primary APN | 69A-22 |
|---|---|
| Alternative APNs |
|
| Exterior Material | Vinyl |
|---|---|
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 93,107 sqft (2.13 acres) |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 25169 |
|---|---|
| Street Address | 645 CALICO RD |
| City | BEREA |
| State | KY |
| Zip | 40403-9425 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TRACT 4 PC 1 SL 262 & PC 5 SL 162 |
| Legal Subdivision | COUNTRY LIVING |
| Legal Tract | 4 |
| Legal Lot Number | 4 |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | PAINT LICK |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 970400 |
Source: Garrard County records, as of May 5, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 645 CALICO RD, BEREA, KY 40403-9425 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Sep 11, 2025 | Deed of Trust, Mortgage · Conventional Mortgage NEW AMERICAN FUNDING |
| Sep 11, 2023 | Deed, Transfer LAND GROUP R/E TITLE AND CLOSINGS, LAND GROUP RE TTL & CLOSINGS |
| Jan 22, 2015 | Deed, Transfer BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Jul 2, 2014 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 25, 2024 · Amount on Record |
| Deed Sale | Jun 25, 2024 · Amount on Record |
| Prior Sale | Sep 11, 2023 · Amount on Record |
| Deed Document Number | 2024185786 |
| Deed Book / Page | 326 / 881 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GARRARD KY |
| Property Address | 645 CALICO RD, BEREA, KY 40403-9425 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Title Company | LAND GROUP TITLE |
| Name | Verified Name |
|---|---|
| Address | 645 CALICO RD, BEREA, KY 40403-9425 |
| Document Number | 0000M462/1 |
|---|---|
| Date | Sep 11, 2025 |
| Book Page | M462/1 |
| Instrument | 198758 |
| Name | NEW AMERICAN FUNDING |
|---|---|
| Type | Lending Institution |
| Address | TUSTIN, CA 92780 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 1, 2040 |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Sep 11, 2023 |
| Property Address | 645 CALICO RD, BEREA, KY 40403-9425 |
| Document Number | 00D322/904 |
| Book / Page | D322 / 904 |
| Map Reference | MB 76 PG 12 |
| Instrument Date | Sep 1, 2023 |
| Instrument | 177930 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Title Company | LAND GROUP R/E TITLE AND CLOSINGS, LAND GROUP RE TTL & CLOSINGS |
| Amount | Amount Recorded |
|---|---|
| Tax | $412.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1425 KINAU ST # 40, 40, HONOLULU, HI 96814-1310 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 645 CALICO RD, BEREA, KY 40403-9425 |
| Mail Care Of | DEVON O RYAN MCGUIRE AND CHEYENNE D MCG |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Jan 22, 2015 |
| Property Address | 645 CALICO RD, BEREA, KY 40403-9425 |
| Document Number | 00D277/749 |
| Book / Page | D277 / 749 |
| Map Reference | PL BK PC5 PG 162 |
| Instrument Date | Jan 8, 2015 |
| Instrument | 123997-0 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Title Company | BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $198.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 910 MYAKKA CT NE, ST PETERSBURG, FL 33702-2792 |
| Name | Verified Name |
|---|---|
| Address | 645 CALICO RD, BEREA, KY 40403-9425 |
| Investor | Possibly a Property Investor |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | Jul 2, 2014 |
| Property Address | 645 CALICO RD, BEREA, KY 40403-9425 |
| Document Number | 00D275/413 |
| Book / Page | D275 / 413 |
| Instrument Date | May 30, 2014 |
| Instrument | 121184 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $6.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 118 S BOLD FORBES BLVD, GEORGETOWN, KY 40324-8625 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 1316, BEREA, KY 40403-3316 |
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 |
|---|---|---|---|
| 2025 | $4,201.00 (-0.5%) | $412,200 (-) Land $35,000 Building $377,200 | $412,200 (-) Land $35,000 Building $377,200 |
| 2024 | $4,222.00 (+97.29%) | $412,200 (+103.05%) Land $35,000 Building $377,200 | $412,200 (+103.05%) Land $35,000 Building $377,200 |
| 2023 | $2,140.00 (-0.93%) | $203,000 (-) Land $25,000 Building $178,000 | $203,000 (-) Land $25,000 Building $178,000 |
| 2022 | $2,160.00 | $203,000 Land $25,000 Building $178,000 | $203,000 Land $25,000 Building $178,000 |
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 14 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber | 2,000 / 2,000 |
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