Madison County property record for 98 Central Ave, Berea, KY 40403
| Property Type | Single Family Home |
|---|---|
| Details | 764 sqft |
| Lot Size | 0.162 acres (7,090 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $90,000 (Dec 2022) |
| Tax Bill | $1,072 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage Dec 2022 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | B010-0016-0004 |
| Primary APN | B010-0016-0004 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 764 sqft Living Area |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Lot Area | 7,090 sqft (0.162 acres) |
| Account Number | 43267 |
|---|---|
| Street Address | 98 CENTRAL AVE |
| City | BEREA |
| State | KY |
| Zip | 40403-1822 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EAST BEREA ADDT LOT 16 & 17 BLK B |
| Legal Subdivision | EAST BEREA ADD |
| Legal Block | B |
| Legal Lot Number | 16,17 |
| Jurisdiction | MADISON KY |
| Township / Civil Division | BEREA |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 11304 |
Source: Madison County records, as of December 9, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 6079 SCAFFOLD CANE RD, MOUNT VERNON, KY 40456-7196 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 12, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WHITAKER BANK INC |
| Dec 13, 2022 | Warranty Deed, Transfer |
| Mar 7, 2019 | Warranty Deed, Transfer · Commercial Mortgage PEOPLES BANK & TRUST CO OF POINTE C |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 13, 2022 · Amount on File |
| Deed Sale | Dec 13, 2022 · Amount on File |
| Prior Sale | Mar 7, 2019 · Amount on File |
| Deed Document Number | 202214123495 |
| Deed Book / Page | 832 / 536 |
| Prior Transfer Date | Dec 12, 2022 |
| Prior Transfer Doc | 00D832/536 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON KY |
| Property Address | 98 CENTRAL AVE, BEREA, KY 40403-1822 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|
| Document Number | M01995/412 |
|---|---|
| Date | Nov 12, 2020 |
| Book Page | M01995/412 |
| Instrument | 2014023980 |
| Name | WHITAKER BANK INC |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40509 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Dec 1, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Dec 13, 2022 |
| Property Address | 98 CENTRAL AVE, BEREA, KY 40403-1822 |
| Document Number | 00D832/536 |
| Book / Page | D832 / 536 |
| Map Reference | MB 1 PG 79 |
| Instrument Date | Dec 9, 2022 |
| Instrument | 2014123495 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $90.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 110 CHICAMAUGA DR, FRANKFORT, KY 40601-9484 |
| Name | Verified Name |
|---|---|
| Address | 6079 SCAFFOLD CANE RD, MOUNT VERNON, KY 40456-7196 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON KY |
| Recording Date | Mar 7, 2019 |
| Property Address | 98 CENTRAL AVE, BEREA, KY 40403-1822 |
| Document Number | D00770/646 |
| Book / Page | D00770 / 646 |
| Map Reference | CAB 1 SL 143 |
| Instrument Date | Mar 6, 2019 |
| Instrument | 2013989267 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $32.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 6079 SCAFFOLD CANE RD, MOUNT VERNON, KY 40456-7196 |
| Name | Verified Name |
|---|---|
| Address | 6045 CLEVES WARSAW PIKE, CINCINNATI, OH 45233-4936 |
| Document Number | 2013989268 |
|---|---|
| Date | Mar 7, 2019 |
| Instrument | 2013989268 |
| Name | PEOPLES BANK & TRUST CO OF POINTE C |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
Source: Madison County assessment roll, as of December 9, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| Municipality | Berea City |
| County | Madison County |
| Unified School District | Berea Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,072.00 (-8.92%) | $90,000 (-) | $90,000 (-) |
| 2023 | $1,177.00 | $90,000 | $90,000 |
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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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 | 0.01% annual chance |
| Exposure | None beyond ember reach |
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 | BEREA MUNICIPAL UTILITIES private · serves 9,972 people · EPA ID KY0760030 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2023 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 182 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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