Madison County property record for 79 Central Ave, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 936 sqft |
| Lot Size | 0.162 acres (7,058 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $176,000 (Aug 2026) |
| Tax Bill | $1,430 (2025) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Jan 2025 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | B010-0015-0004 |
| Primary APN | B010-0015-0004 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 936 sqft Living Area |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Lot Area | 7,058 sqft (0.162 acres) |
| Garage Type | Detached |
| Garage Area | 520 sqft |
| Parking Spaces | 2 Parking Spaces |
| Account Number | 49100 |
|---|---|
| Street Address | 79 CENTRAL AVE |
| City | BEREA |
| State | KY |
| Zip | 40403-1821 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EAST BEREA ADDITION LOT 14 & 15 BLK A |
| Legal Subdivision | EAST BEREA ADDITION |
| Legal Block | A |
| Legal Lot Number | 14,15 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 11304 |
Source: Madison County records, as of August 13, 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 | 79 CENTRAL AVE, BEREA, KY 40403-1821 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Aug 4, 2026 | Deed, Transfer · FHA Mortgage HOME MORTGAGE CORPORATION |
| Jan 9, 2025 | Deed, Transfer · Conventional Mortgage T2 FINANCIAL LLC |
| Oct 6, 2022 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Oct 15, 2020 | Deed, Transfer · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC |
| Jan 2, 2019 | Warranty Deed, Transfer · Conventional Mortgage CENTURY LENDING CO |
| Jun 19, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 4, 2026 · Amount on Record |
| Deed Sale | Aug 4, 2026 · Amount on Record |
| Prior Sale | Jan 9, 2025 · Amount on Record |
| Deed Document Number | 202614366573 |
| Deed Book / Page | 886 / 446 |
| Prior Transfer Date | Jun 1, 2018 |
| Prior Transfer Doc | D00760/735 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Aug 4, 2026 |
| Property Address | 79 CENTRAL AVE, BEREA, KY 40403-1821 |
| Document Number | 0014366573 |
| Book / Page | 886 / 446 |
| Instrument Date | Aug 3, 2026 |
| Instrument | 202614366573 |
| Transaction Type | Transfer |
| Record Updated | Aug 13, 2026 |
| Title Company | BLUEGRASS LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $17,776.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Remainderman |
| Address | 79 CENTRAL AVE, BEREA, KY 40403-1821 |
| Document Number | 0014366577, |
|---|---|
| Date | Aug 4, 2026 |
| Instrument | 202614366577 |
| Name | HOME MORTGAGE CORPORATION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate | 6.47% |
|---|---|
| Max Rate | -1% |
| Document Number | 0014366598, |
|---|---|
| Date | Aug 4, 2026 |
| Book Page | 2489/746 |
| Instrument | 202614366598 |
| Name | HOME MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Sep 1, 2036 |
| Rate | 6.47% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jan 9, 2025 |
| Property Address | 79 CENTRAL AVE, BEREA, KY 40403-1821 |
| Document Number | 00D862/705 |
| Book / Page | D862 / 705 |
| Map Reference | MB 1 PG 79 |
| Instrument Date | Jan 3, 2025 |
| Instrument | 2014240630 |
| Transaction Type | Transfer |
| Record Updated | Dec 9, 2025 |
| Title Company | LAND GROUP R/E TITLE AND CLOSINGS, LAND GROUP RE TTL & CLOSINGS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $140.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 209 JESSIE CT, BEREA, KY 40403-9355 |
| Name | Verified Name |
|---|---|
| Address | 79 CENTRAL AVE, BEREA, KY 40403-1821 |
| Document Number | 2014240631 |
|---|---|
| Date | Jan 9, 2025 |
| Instrument | 2014240631 |
| Name | T2 FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 79 CENTRAL AVE, BEREA, KY 40403-1821 |
| Transaction Type | Mortgage |
| Record Updated | Oct 19, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 79 CENTRAL AVE, BEREA, KY 40403-1821 |
| Document Number | 0M2194/417 |
|---|---|
| Date | Oct 6, 2022 |
| Book Page | M2194/417 |
| Instrument | 2014114729 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Oct 1, 2062 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Oct 15, 2020 |
| Property Address | 79 CENTRAL AVE, BEREA, KY 40403-1821 |
| Document Number | D00795/578 |
| Book / Page | D00795 / 578 |
| Map Reference | MB 1 PG 79 |
| Instrument Date | Oct 8, 2020 |
| Instrument | 2014022338 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $120.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 600 NORWOOD DR, 600, RICHMOND, KY 40475-1120 |
| Name | Verified Name |
|---|---|
| Address | 79 CENTRAL AVE, BEREA, KY 40403-1821 |
| Investor | Possibly a Property Investor |
| Document Number | 2014022339 |
|---|---|
| Date | Oct 15, 2020 |
| Instrument | 2014022339 |
| Name | ARK-LA-TEX FINANCIAL SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jan 2, 2019 |
| Property Address | 79 CENTRAL AVE, BEREA, KY 40403-1821 |
| Document Number | D00768/439 |
| Book / Page | D00768 / 439 |
| Map Reference | MB 1 PG 79 |
| Instrument Date | Dec 17, 2018 |
| Instrument | 2013986623 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Title Company | EXECUTIVE TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $76.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 79 CENTRAL AVE, 79, BEREA, KY 40403-1821 |
| Name | Verified Name |
|---|---|
| Address | 79 CENTRAL AVE, BEREA, KY 40403-1821 |
| Document Number | 2013986624 |
|---|---|
| Date | Jan 2, 2019 |
| Instrument | 2013986624 |
| Name | CENTURY LENDING CO |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jun 19, 2018 |
| Property Address | 79 CENTRAL AVE, BEREA, KY 40403-1821 |
| Document Number | D00760/735 |
| Book / Page | D00760 / 735 |
| Map Reference | MB1 PG79 |
| Instrument Date | Jun 1, 2018 |
| Instrument | 2013977472 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $40.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 79 CENTRAL AVE, 79, BEREA, KY 40403-1821 |
| Name | Verified Name |
|---|---|
| Address | 79 CENTRAL AVE, BEREA, KY 40403-1821 |
Source: Madison County assessment roll, as of December 9, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| Municipality | Berea City |
| County | Madison County |
| Unified School District | Berea Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,430.00 (-8.86%) | $120,000 (-) | $120,000 (-) |
| 2023 | $1,569.00 | $120,000 | $120,000 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 20 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 20 in force |
| Nearby Flood Claims | 8 (2010–2026) |
| Claims Outside the SFHA | 2 of 8 |
| Most Recent Claim | Jun 2026 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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 | Low lower than 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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 | BEREA MUNICIPAL UTILITIES private · serves 9,972 people · EPA ID KY0760030 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2023 |
| 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 | None 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 182 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Windstream Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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