Madison County property record for 972 Scaffold Cane Rd, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Owner | Individual Name on Record |
| Tax Bill | $1,791 (2025) |
| Deeds & Mortgages | Jun 2018 Mortgage Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0074-046B-0001 |
| Primary APN | 0074-046B-0001 |
|---|---|
| Alternative APNs |
|
| Account Number | 73225 |
|---|---|
| Street Address | 972 SCAFFOLD CANE RD |
| City | BEREA |
| State | KY |
| Zip | 40403-2123 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EDGEWATERS LOT 1 |
| Legal Subdivision | EDGEWATER |
| Legal Lot Number | 1 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 11304 |
Source: Madison County records, as of December 8, 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 Record |
|---|---|
| Mailing Address | 972 SCAFFOLD CANE RD, BEREA, KY 40403-2123 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 4, 2018 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Mar 17, 2021 | Deed of Trust, Mortgage · Conventional Mortgage STOCKTON MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 23, 2002 |
| Deed Sale | Dec 23, 2002 |
| Deed Document Number | 0000760184 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 972 SCAFFOLD CANE RD, BEREA, KY 40403-2123 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | M01807/041 |
|---|---|
| Date | Jun 4, 2018 |
| Book Page | M01807/041 |
| Instrument | 2013976614 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 972 SCAFFOLD CANE RD, BEREA, KY 40403-2123 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2023 |
| Title Company | CLEAR TITLE |
| Name | Verified Name |
|---|
| Document Number | 0M2033/604 |
|---|---|
| Date | Mar 17, 2021 |
| Book Page | M2033/604 |
| Instrument | 2014031588 |
| Name | STOCKTON MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | FRANKFORT, KY 40601 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
Source: Madison County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| Municipality | Berea City |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,791.00 (+7.5%) Additional exemption filed | $190,000 (+10.59%) | $190,000 (+10.59%) |
| 2023 | $1,666.00 | $171,800 | $171,800 |
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 |
|---|---|
| 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 | 0.02% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | SOUTHERN MADISON WATER DISTRICT serves 14,707 people · EPA ID KY0760407 |
|---|---|
| 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, 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 155 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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