Madison County property record for 813 Bratcher Ln, Berea, KY 40403 · Last verified May 2026
| Property Type | Single Family Home |
|---|---|
| Details | 1,164 sqft |
| Lot Size | 0.908 acres (39,574 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $292,500 (Apr 2026) |
| Tax Bill | $1,036 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Nov 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | B011-0010-0004 |
| Primary APN | B011-0010-0004 |
|---|---|
| Alternative APNs |
|
| Building Area | 1,164 sqft Living Area |
|---|---|
| 1st Floor Area | 1,125 sqft 1st Floor |
| Basement Area | 1,125 sqft Basement |
| Finished Basement | 1,125 sqft Finished |
| Architectural Style | Split Foyer |
|---|---|
| Exterior Material | Brick |
| Lot Area | 39,574 sqft (0.908 acres) |
| Parking Spaces | 3 Parking Spaces |
| Garage Type | Detached |
| Garage Area | 768 sqft Garage |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Floor/Wall Furnace |
| Account Number | 41794 |
|---|---|
| Street Address | 813 BRATCHER LN |
| City | BEREA |
| State | KY |
| Zip | 40403-1878 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 1 |
| Legal Subdivision | DIVISION THELMA S & CHARLES MC |
| Legal Lot Number | 1 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 11304 |
Source: Madison County records · APN B011-0010-0004
Assessment roll updated December 9, 2025 · Last verified May 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 File |
|---|---|
| Mailing Address | 976 RED HILL RD, LIVINGSTON, KY 40445-8961 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Apr 27, 2026 | Deed, Transfer · VA Mortgage NEW AMERICAN FUNDING |
| Nov 19, 2018 | Intrafamily Transfer, Transfer · ARM CUMBERLAND VALLEY NATL BANK & TRUST |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 27, 2026 · Amount on Record |
| Deed Sale | Apr 27, 2026 · Amount on Record |
| Prior Sale | Jan 29, 2026 · Amount on Record |
| Deed Document Number | 202614342501 |
| Deed Book / Page | 881 / 687 |
| Prior Transfer Date | Oct 29, 2018 |
| Prior Transfer Doc | D00767/056 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Apr 27, 2026 |
| Property Address | 813 BRATCHER LN, BEREA, KY 40403-1878 |
| Document Number | 0014342501 |
| Book / Page | 881 / 687 |
| Instrument Date | Apr 24, 2026 |
| Instrument | 2026.14342501 |
| Transaction Type | Transfer |
| Record Updated | May 08, 2026 |
| Title Company | BLUEGRASS LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $29,542.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Remainderman |
| Document Number | 0014342505, |
|---|---|
| Date | Apr 27, 2026 |
| Instrument | 2026.14342505 |
| Name | NEW AMERICAN FUNDING |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2056 |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Nov 19, 2018 |
| Property Address | 813 BRATCHER LN, BEREA, KY 40403-1878 |
| Document Number | D00767/056 |
| Book / Page | D00767 / 056 |
| Map Reference | MB6 PG216 |
| Instrument Date | Oct 29, 2018 |
| Instrument | 2013984865 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5009 S CROSS POINT CT, RICHMOND, KY 40475-3295 |
| Name | Verified Name |
|---|---|
| Address | 813 BRATCHER LN, BEREA, KY 40403-1878 |
| Document Number | 2013984866 |
|---|---|
| Date | Nov 19, 2018 |
| Instrument | 2013984866 |
| Name | CUMBERLAND VALLEY NATL BANK & TRUST |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.44% |
| Type Change Date | Dec 01, 2023 |
| Change Frequency | Annually |
| Min Rate At Change | 4.65% |
| Max Rate At Change | 7.44% |
| Index | 5-Year CMT |
| Margin | 4 |
| Max Rate | 11.4% |
Source: Madison County records · Assessment roll updated December 9, 2025 · Last verified May 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 | $1,036.00 (+65.23%) Homeowner's exemption | $159,000 (+43.24%) | $159,000 (+43.24%) |
| 2023 | $627.00 Homeowner's exemption | $111,000 | $111,000 |
Source: FEMA National Flood Hazard Layer, Madison County (21151C), updated December 21, 2017 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 34% of the US · above 67% of Kentucky |
|---|---|
| Wildfire Likelihood | About 1 in 2,128 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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