Madison County property record for 782 Bratcher Ln, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Owner | Individual Name on File |
| Last Sale | $220,000 (Dec 2025) |
| Tax Bill | $160 (2025) |
| Deeds & Mortgages | Aug 2025 Construction Loan Dec 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | B012-0001-0007 |
| Primary APN | B012-0001-0007 |
|---|---|
| Alternative APNs |
|
| Account Number | 62422 |
|---|---|
| Street Address | 782 BRATCHER LN |
| City | BEREA |
| State | KY |
| Zip | 40403-2137 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SCAFFOLD CANE RD |
| Legal Subdivision | SCAFFOLD |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 11304 |
Source: Madison County records · APN B012-0001-0007
Assessment roll updated April 1, 2025 · Last verified January 2026
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 | 782 BRATCHER LN, BEREA, KY 40403-2137 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 04, 2025 | Deed of Trust, Mortgage · Construction Mortgage WHITAKER BANK INC |
| Dec 23, 2025 | Deed, Transfer · Conventional Mortgage ENVOY MORTGAGE LTD |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 23, 2025 · Amount on Record |
| Deed Sale | Dec 23, 2025 · Amount on Record |
| Prior Sale | Apr 29, 2025 |
| Deed Document Number | 2014307770 |
| Deed Book / Page | D877 / 469 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 782 BRATCHER LN, BEREA, KY 40403-2137 |
| Transaction Type | Mortgage |
| Record Updated | Jan 07, 2026 |
| Name | Verified Name |
|---|---|
| Address | 240 WILSHIRE WAY, RICHMOND, KY 40475-6500 |
| Document Number | 0M2398/781 |
|---|---|
| Date | Aug 04, 2025 |
| Book Page | M2398/781 |
| Instrument | 2014276099 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40555 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 11 Months |
| Due | Jul 30, 2026 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Dec 23, 2025 |
| Property Address | 782 BRATCHER LN, BEREA, KY 40403-2137 |
| Document Number | 00D877/469 |
| Book / Page | D877 / 469 |
| Instrument Date | Dec 15, 2025 |
| Instrument | 2014307770 |
| Transaction Type | Transfer |
| Record Updated | Jan 07, 2026 |
| Title Company | UNKNOWN, LAND GROUP TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $220.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 40 WILSHIRE WAY, RICHMOND, KY 40475 |
| Name | Verified Name |
|---|---|
| Address | 782 BRATCHER LN, BEREA, KY 40403-2137 |
| Document Number | 2014307771 |
|---|---|
| Date | Dec 23, 2025 |
| Instrument | 2014307771 |
| Name | ENVOY MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2056 |
Source: Madison County records · Assessment roll updated April 1, 2025 · Last verified January 2026
| Type | Name |
|---|---|
| State | Kentucky |
| Municipality | Berea City |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $160.00 (-33.88%) Additional exemption filed | $17,000 (-32%) | $17,000 (-32%) |
| 2023 | $242.00 | $25,000 | $25,000 |
Source: FEMA National Flood Hazard Layer as of December 21, 2017 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 13 policies |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 1 (2022) |
| Most Recent Claim | Jul 2022 · rainfall accumulation |
| Wildfire Risk | Low lower than 66% of the US · above 66% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Holdings Fiber | 5,120 / 5,120 |
| Uniti Group Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 80 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SOUTHERN MADISON WATER DISTRICT serves 14,707 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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