Madison County property record for 973 Gabbardtown Rd, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 900 sqft |
| Owner | Company Name on Record |
| Last Sale | $85,000 (Nov 2023) |
| Tax Bill | $801 (2025) |
| Deeds & Mortgages | Nov 2023 Sale & Mortgage Mar 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | B014-0002-0014 |
| Primary APN | B014-0002-0014 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 900 sqft Living Area |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Porch | Porch |
| Porch Area | 192 sqft |
| Heating System | Forced Air |
|---|
| Account Number | 59313 |
|---|---|
| Street Address | 973 GABBARDTOWN RD |
| City | BEREA |
| State | KY |
| Zip | 40403-2243 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GABBARDTOWN |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 11304 |
Source: Madison County records, as of January 19, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | PO BOX 743, RICHMOND, KY 40476-0743 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Date | Document |
|---|---|
| Nov 28, 2023 | Warranty Deed, Transfer · Commercial Mortgage WHITAKER BANK INC |
| Mar 16, 2021 | Deed, Transfer · Stand-Alone First Mortgage WHITAKER BANK INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 28, 2023 · Amount on Record |
| Deed Sale | Nov 28, 2023 · Amount on Record |
| Prior Sale | Mar 16, 2021 · Amount on Record |
| Deed Document Number | 2014179343 |
| Deed Book / Page | D846 / 185 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Nov 28, 2023 |
| Property Address | 973 GABBARDTOWN RD, BEREA, KY 40403-2243 |
| Document Number | 00D846/185 |
| Book / Page | D846 / 185 |
| Instrument Date | Nov 21, 2023 |
| Instrument | 2014179343 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $85.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 323 SMITH LN, BEREA, KY 40403-9716 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 743, RICHMOND, KY 40476-0743 |
| Investor | Possibly a Property Investor |
| Document Number | 2014179344 |
|---|---|
| Date | Nov 28, 2023 |
| Instrument | 2014179344 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 126 Months |
| Due | May 21, 2034 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Mar 16, 2021 |
| Property Address | 973 GABBARDTOWN RD, BEREA, KY 40403-2243 |
| Document Number | 00D802/375 |
| Book / Page | D802 / 375 |
| Instrument Date | Mar 12, 2021 |
| Instrument | 2014031451 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $23.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 335 CHURCHILL DR APT 1, 1, RICHMOND, KY 40475-3268 |
| Name | Verified Name |
|---|---|
| Address | 108 JOSHUA CIR APT 1, 1, BEREA, KY 40403-9056 |
| Investor | Possibly a Property Investor |
| Document Number | 2014031452 |
|---|---|
| Date | Mar 16, 2021 |
| Instrument | 2014031452 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Madison County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Madison County |
| Unified School District | Madison County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $801.00 (+82.05%) Additional exemption filed | $85,000 (+87.22%) | $85,000 (+87.22%) |
| 2023 | $440.00 | $45,400 | $45,400 |
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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 13 policies |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 1 (2022) |
| Most Recent Claim | Jul 2022 · rainfall accumulation |
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 62% of the US · above 68% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
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 33 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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