Madison County property record for 902 Cabernet Dr, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 1,923 sqft |
| Owner | Individual Name on File |
| Last Sale | $255,000 (Jun 2017) |
| Tax Bill | $1,941 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Jan 2017 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0073-0032-0023 |
| Primary APN | 0073-0032-0023 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,923 sqft Living Area |
| Exterior Material | Brick Veneer |
|---|---|
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Account Number | 47387 |
|---|---|
| Street Address | 902 CABERNET DR |
| City | BEREA |
| State | KY |
| Zip | 40403-9179 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THE VINEYARD LOT 23 PH 1 |
| Legal Subdivision | VINEYARD |
| Legal Phase | 1 |
| Legal Block | 1 |
| Legal Lot Number | 23 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 1 |
| Census Block | 1096 |
| Census Tract | 11202 |
Source: Madison County records · APN 0073-0032-0023
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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 902 CABERNET DR, BEREA, KY 40403-9179 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 08, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CENTRAL BANK & TRUST CO |
| Jan 23, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK |
| Feb 16, 2017 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Jun 21, 2017 | Deed, Transfer · Conventional Mortgage KENTUCKY BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 21, 2017 · Amount on Record |
| Deed Sale | Jun 21, 2017 · Amount on Record |
| Prior Sale | Aug 29, 2016 · Amount on Record |
| Deed Document Number | 2013960357 |
| Deed Book / Page | D00746 / 341 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 902 CABERNET DR, BEREA, KY 40403-9179 |
| Transaction Type | Mortgage |
| Record Updated | Mar 29, 2021 |
| Name | Verified Name |
|---|
| Document Number | M2030/191 |
|---|---|
| Date | Mar 08, 2021 |
| Book Page | M2030/191 |
| Instrument | 2014030963 |
| Name | CENTRAL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40507 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 902 CABERNET DR, BEREA, KY 40403-9179 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | M01724/589 |
|---|---|
| Date | Jan 23, 2017 |
| Book Page | M01724/589 |
| Instrument | 2013953409 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Address | MOUNT VERNON, KY 40456 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 902 CABERNET DR, BEREA, KY 40403-9179 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | M01728/349 |
|---|---|
| Date | Feb 16, 2017 |
| Book Page | M01728/349 |
| Instrument | 2013954528 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Address | BRODHEAD, KY 40409 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Feb 11, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Jun 21, 2017 |
| Property Address | 902 CABERNET DR, BEREA, KY 40403-9179 |
| Document Number | D00746/341 |
| Book / Page | D00746 / 341 |
| Map Reference | MB14 PG148 |
| Instrument Date | Jun 13, 2017 |
| Instrument | 2013960357 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $255.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 902 CABERNET DR, 902, BEREA, KY 40403-9179 |
| Name | Verified Name |
|---|---|
| Address | 130 HIGHLAND DR, MOUNT STERLING, KY 40353-8213 |
| Document Number | 2013960358 |
|---|---|
| Date | Jun 21, 2017 |
| Instrument | 2013960358 |
| Name | KENTUCKY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2047 |
Source: Madison County records · Assessment roll updated April 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Kentucky |
| Municipality | Berea City |
| 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 | $1,941.00 (-4.05%) Homeowner's exemption | $255,000 (-) | $255,000 (-) |
| 2023 | $2,023.00 Homeowner's exemption | $255,000 | $255,000 |
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 |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 3 in force |
| Wildfire Risk | Low lower than 65% of the US · above 67% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.04% 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 |
| 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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