645 Northfork Dr, Berea, KY 40403 Property Records

Madison County property record for 645 Northfork Dr, Berea, KY 40403

Property Summary

Property Type	Other
Owner	Individual on Record
Last Sale	$247,500 (Jan 2025)
Tax Bill	$1,422 (2025)
Deeds & Mortgages	May 2019 Construction Loan Sep 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0072-016B-0080`

Property Details

APN / Parcel Number

Primary APN	`0072-016B-0080`
Alternative APNs	`122135` `85096` `51098`

Location & Zoning

Account Number	51098
Street Address	645 NORTHFORK DR
City	BEREA
State	KY
Zip	40403-8122
Property Category	Other
Property Type	Other > Miscellaneous
Legal Description	STONEY CREEK LOT 80 UNIT 1 BLK 1
Legal Subdivision	STONEY CREEK
Legal Block	1
Legal Lot Number	80
Legal Unit	1
Jurisdiction	MADISON KY
Township / Civil Division	RICHMOND
Census Block Group	1
Census Block	1032
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 on Record
Mailing Address	645 NORTHFORK DR, BEREA, KY 40403-8122
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 17, 2019	Deed of Trust, Mortgage · Construction Mortgage PEOPLES BANK & TRUST CO OF MADISON CNTY
Sep 13, 2023	Deed of Trust, Mortgage · FHA Mortgage ROYAL UNITED MORTGAGE LLC
Jan 22, 2020	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 21, 2025 · Amount on Record
Deed Sale	Jan 21, 2025 · Amount on Record
Prior Sale	Jan 22, 2020 · Amount on Record
Deed Document Number	2014242452
Deed Book / Page	D863 / 217
Record Updated	Jun 8, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	645 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	M01864/229
Date	May 17, 2019
Book Page	M01864/229
Instrument	2013992700

Lender

Name	PEOPLES BANK & TRUST CO OF MADISON CNTY
Type	Bank
Address	BEREA, KY 40403

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 16, 2020

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	645 NORTHFORK DR, BEREA, KY 40403-8122
Transaction Type	Mortgage
Record Updated	Feb 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M2258/593
Date	Sep 13, 2023
Book Page	M2258/593
Instrument	2014166812

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

January 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Jan 22, 2020
Property Address	645 NORTHFORK DR, BEREA, KY 40403-8122
Document Number	D00783/475
Book / Page	D00783 / 475
Map Reference	MB P28 PG 14
Instrument Date	Jan 22, 2020
Instrument	2014005770
Transaction Type	Transfer
Record Updated	Feb 2, 2024

Transaction

Amount	Amount Recorded
Tax	$173.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	414 DREYFUS RD, BEREA, KY 40403-9692

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 NORTHFORK DR, BEREA, KY 40403-8122

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	$1,422.00 (+15.89%) Homeowner's exemption	$200,000 (+15.67%)	$200,000 (+15.67%)
2023	$1,227.00 Homeowner's exemption	$172,900	$172,900

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

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