Madison County property record for 81 Baker Ct, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 1,188 sqft |
| Owner | Individual Name on File |
| Last Sale | $59,900 (Jan 1990) |
| Tax Bill | $1,461 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Apr 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 073A-0003-0008 |
| Primary APN | 073A-0003-0008 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,188 sqft Living Area |
| Architectural Style | Split Foyer |
|---|---|
| Exterior Material | Brick |
| Garage Type | Basement |
| Garage Area | 322 sqft |
| Parking Spaces | 1 Parking Space |
| Account Number | 51583 |
|---|---|
| Street Address | 81 BAKER CT |
| City | BEREA |
| State | KY |
| Zip | 40403-9105 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CHARLES BAKER L0T 8 & 8A |
| Legal Subdivision | CHARLES BAKER SUB |
| Legal Lot Number | 8-A |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 11101 |
Source: Madison County records · APN 073A-0003-0008
Assessment roll updated April 1, 2025 · Last verified December 2025
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 | 81 BAKER CT, BEREA, KY 40403-9105 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 18, 2025 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Apr 14, 2022 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 30, 1990 · Amount on Record |
| Deed Sale | Jan 30, 1990 · Amount on Record |
| Deed Document Number | 0000726301 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 81 BAKER CT, BEREA, KY 40403-9105 |
| Transaction Type | Mortgage |
| Record Updated | Jan 05, 2026 |
| Name | Verified Name |
|---|---|
| Address | 81 BAKER CT, BEREA, KY 40403-9105 |
| Document Number | 0M2432/526 |
|---|---|
| Date | Dec 18, 2025 |
| Book Page | M2432/526 |
| Instrument | 2014306515 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.62% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Apr 01, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 4.62% |
| Max Rate At Change | 6.62% |
| Index | 1-Year CMT |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 81 BAKER CT, BEREA, KY 40403-9105 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0M2151/422 |
|---|---|
| Date | Apr 14, 2022 |
| Book Page | M2151/422 |
| Instrument | 2014086605 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2052 |
Source: Madison County records · Assessment roll updated April 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,461.00 (+14.95%) Additional exemption filed | $155,000 (+18.23%) | $155,000 (+18.23%) |
| 2023 | $1,271.00 | $131,100 | $131,100 |
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 |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 4 in force |
| Wildfire Risk | Low lower than 67% of the US · above 66% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Uniti Group DSL · Fiber in parts of the area | 200 / 20 |
Based on FCC filings for 136 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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