103 Cherry St, Middlesboro, KY 40965 Property Records

Bell County property record for 103 Cherry St, Middlesboro, KY 40965

Property Summary

Property Type	Single Family Home
Details	2 ba · 656 sqft · built 1928
Owner	Individual Name on Record
Last Sale	$55,000 (Dec 2023)
Tax Bill	$262 (2025)
Deeds & Mortgages	Dec 2023 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`068-40-00-159.00`

Property Details

APN / Parcel Number

Primary APN	`068-40-00-159.00`
Alternative APNs	`58854` `1763`

Interior

Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	656 sqft Living Area

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Driveway	Asphalt Driveway
Porch	Slab

Utilities, Heating & Cooling

Cooling System	None
Heating System	Space Heater
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	58854
Street Address	103 CHERRY ST
City	MIDDLESBORO
State	KY
Zip	40965-1917
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	NE BT1 (LAND AND HOUSE)
Jurisdiction	BELL KY
Township / Civil Division	MIDDLESBOROUGH
Census Block Group	2
Census Block	2003
Census Tract	960700

Owner

Source: Bell County records, as of April 2, 2026

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	118 WILLOW ST, MIDDLESBORO, KY 40965-1952
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 19, 2023 · Amount on Record
Deed Sale	Dec 19, 2023 · Amount on Record
Deed Document Number	2023199426
Deed Book / Page	404 / 54
Record Updated	Jun 8, 2026

December 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	BELL KY
Recording Date	Dec 19, 2023
Property Address	103 CHERRY ST, MIDDLESBORO, KY 40965-1917
Document Number	000D404/54
Book / Page	D404 / 54
Instrument Date	Dec 19, 2023
Instrument	199426
Transaction Type	Transfer
Record Updated	Jan 10, 2024

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$55.00
Amount Accuracy	Full Amount Stated
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 WILLOW ST, MIDDLESBORO, KY 40965-1952

Mortgage

Document Number	0000199427
Date	Dec 19, 2023
Instrument	199427

Lender

Name	POWELL VALLEY NATIONAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Dec 19, 2043

Tax Assessment & Valuation

Source: Bell County assessment roll, as of December 16, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Bell County
Municipality	Middlesborough City
Unified School District	Middlesboro Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$262.00 (+2.34%)	$24,500 (-) Land $24,500	$24,500 (-) Land $24,500
2023	$256.00 (-0.78%)	$24,500 (-)	$24,500 (-)
2022	$258.00	$24,500	$24,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective January 28, 2021 · 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
Nearby Flood Policies	2 in force
Nearby Flood Claims	9 (1981–2011)
Claims Outside the SFHA	3 of 9
Most Recent Claim	Jun 2011 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2011 · 3 claims

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 52% of the US · above 76% of Kentucky
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	KENTUCKY AMERICAN WATER - MIDDLESBORO private · serves 12,022 people · EPA ID KY0070282
Water Source	Surface water
Last State Inspection	Jun 2023
Lead	3 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 84 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Eastern Telephone & Technologies Fixed Wireless	300 / 100
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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