Bell County property record for 104 Willow St, Middlesboro, KY 40965
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,304 sqft · built 1940 |
| Owner | 2 Individual Names on Record |
| Last Sale | $60,000 (Mar 2006) |
| Tax Bill | $578 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 068-40-00-164.00 |
| Primary APN | 068-40-00-164.00 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,304 sqft Living Area |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| View / Lot | Flood Plain/Flood Zone |
| Driveway | Gravel Driveway |
| Porch | Slab |
| Cooling System | None |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 17608 |
|---|---|
| Street Address | 104 WILLOW ST |
| City | MIDDLESBORO |
| State | KY |
| Zip | 40965-1952 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NE BT1 (LOTS 13-14-15) |
| Legal Subdivision | 105 BINGHARNS ADDITION |
| Legal Lot Number | 13-14 |
| Jurisdiction | BELL KY |
| Township / Civil Division | MIDDLESBOROUGH |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 960700 |
Source: Bell County records, as of July 13, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 104 WILLOW ST, MIDDLESBORO, KY 40965-1952 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 11, 2006 · Amount on Record |
| Deed Sale | Mar 11, 2006 · Amount on Record |
| Prior Sale | Mar 9, 2006 · Amount on Record |
| Deed Book / Page | 330 / 811 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BELL KY |
| Property Address | 104 WILLOW ST, MIDDLESBORO, KY 40965-1952 |
| Transaction Type | Mortgage |
| Record Updated | Dec 20, 2022 |
| Name | Verified Name |
|---|---|
| Address | 104 WILLOW ST, MIDDLESBORO, KY 40965-1952 |
| Document Number | 00M379/758 |
|---|---|
| Date | Mar 21, 2022 |
| Book Page | M379/758 |
| Instrument | 190689 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ANAHEIM, CA 92806 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Jan 1, 2052 |
Source: Bell County assessment roll, as of December 16, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Bell County |
| Municipality | Middlesborough City |
| Unified School District | Middlesboro Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $578.00 (+2.3%) | $54,000 (-) Land $54,000 | $54,000 (-) Land $54,000 |
| 2023 | $565.00 | $54,000 | $54,000 |
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 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 |
|
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 | 0.04% 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 | 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 |
| 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 113 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Eastern Telephone & Technologies Fixed Wireless | 300 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: AT&T, T-Mobile.
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