Madison County property record for 705 Pine Woods Rd, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Lot Size | 3.91 acres (170,320 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $95,000 (Oct 2021) |
| Tax Bill | $943 (2025) |
| Deeds & Mortgages | Dec 2019 Mortgage Oct 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0099-0000-0029-I |
| Primary APN | 0099-0000-0029-I |
|---|---|
| Alternative APNs |
|
| Lot Area | 170,320 sqft (3.91 acres) |
|---|
| Account Number | 61981 |
|---|---|
| Street Address | 705 PINE WOODS RD |
| City | BEREA |
| State | KY |
| Zip | 40403 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 1, 2 & 3 (3.91 ACRES) |
| Legal Lot Number | 1-3 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 11102 |
Source: Madison County records, as of January 19, 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 | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 711 PINE WOODS RD, BEREA, KY 40403-8611 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 4, 2019 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Oct 29, 2021 | Warranty Deed, Transfer · Commercial Mortgage CITIZENS GUARANTY BANK |
| Oct 29, 2021 | Warranty Deed, Transfer · Commercial Mortgage CITIZENS GUARANTY BANK |
| Oct 8, 2020 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 29, 2021 · Amount on Record |
| Deed Sale | Oct 29, 2021 · Amount on Record |
| Prior Sale | Oct 8, 2020 · Amount on Record |
| Deed Document Number | 2014061457 |
| Deed Book / Page | D813 / 456 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 705 PINE WOODS RD, BEREA, KY 40403 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|
| Document Number | M01904/528 |
|---|---|
| Date | Dec 4, 2019 |
| Book Page | M01904/528 |
| Instrument | 2014003286 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 335 Months |
| Due | Nov 1, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Oct 29, 2021 |
| Property Address | 703 PINE WOODS RD, BEREA, KY 40403-8611 |
| Document Number | 00D813/456 |
| Book / Page | D813 / 456 |
| Map Reference | MB P25 PG 34 |
| Instrument Date | Oct 28, 2021 |
| Instrument | 2014061457 |
| Transaction Type | Transfer |
| Record Updated | Dec 31, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $95.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3179 IRVINE RD, 3179, RICHMOND, KY 40475-9573 |
| Name | Verified Name |
|---|---|
| Address | 711 PINE WOODS ROAD, RICHMOND, KY 40475 |
| Document Number | 2014061458 |
|---|---|
| Date | Oct 29, 2021 |
| Instrument | 2014061458 |
| Name | CITIZENS GUARANTY BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 28, 2051 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Oct 29, 2021 |
| Property Address | 705 PINE WOODS RD, BEREA, KY 40403 |
| Document Number | 00D813/456 |
| Book / Page | D813 / 456 |
| Map Reference | MB P25 PG 34 |
| Instrument Date | Oct 28, 2021 |
| Instrument | 2014061457 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $95.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3179 IRVINE RD, RICHMOND, KY 40475-9573 |
| Name | Verified Name |
|---|---|
| Address | 711 PINE WOODS ROAD, RICHMOND, KY 40475 |
| Document Number | 2014061458 |
|---|---|
| Date | Oct 29, 2021 |
| Instrument | 2014061458 |
| Name | CITIZENS GUARANTY BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 28, 2051 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Oct 8, 2020 |
| Property Address | 705 PINE WOODS RD, BEREA, KY 40403 |
| Document Number | D00795/280 |
| Book / Page | D00795 / 280 |
| Map Reference | MB P25 PG 34 |
| Instrument Date | Oct 6, 2020 |
| Instrument | 2014021892 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $35.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 101 BOONE WAY, RICHMOND, KY 40475-9439 |
| Name | Verified Name |
|---|---|
| Address | 3179 IRVINE RD, RICHMOND, KY 40475-9573 |
| Investor | Possibly a Property Investor |
Source: Madison County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $943.00 (+1.51%) Additional exemption filed | $95,000 (-) | $95,000 (-) |
| 2023 | $929.00 | $95,000 | $95,000 |
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 |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 9 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.
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 | 0.07% 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 | 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 63 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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