111 Willow St, Middlesboro, KY 40965 Property Records

Bell County property record for 111 Willow St, Middlesboro, KY 40965

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,300 sqft · built 1925
Owner	Individual Name on Record
Last Sale	$69,700 (Apr 2026)
Tax Bill	$1,072 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage May 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`068-40-00-200.00`

Property Details

APN / Parcel Number

Primary APN	`068-40-00-200.00`
Alternative APNs	`15035` `6192`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,300 sqft Living Area

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Terrain	Rolling
Driveway	Asphalt Driveway
Porch	Slab

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Sewer	Connected

Location & Zoning

Account Number	6192
Street Address	111 WILLOW ST
City	MIDDLESBORO
State	KY
Zip	40965-1951
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NE BT2 (HOUSE & LAND)
Legal Subdivision	MAP OF BINGHAMTOWN ADDITION
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 16, 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	111 WILLOW ST, MIDDLESBORO, KY 40965-1951
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2026	Quit Claim Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC
May 17, 2022	Deed, Transfer
Jan 4, 2017	Deed, Transfer · Line of Credit FIRST STATE FINANCIAL INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 6, 2026 · Amount on Record
Deed Sale	Apr 6, 2026 · Amount on Record
Prior Sale	May 17, 2022 · Amount on Record
Deed Document Number	2026293342
Deed Book / Page	414 / 393
Prior Transfer Date	Mar 26, 2026
Prior Transfer Doc	0000293342
Record Updated	Oct 29, 2026

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BELL KY
Recording Date	Apr 6, 2026
Property Address	111 WILLOW ST, MIDDLESBORO, KY 40965-1951
Document Number	0000293342
Book / Page	414 / 393
Instrument Date	Mar 26, 2026
Instrument	2026293342
Transaction Type	Transfer
Record Updated	Apr 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$7,039.70
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 WILLOW ST, MIDDLESBORO, KY 40965-1951

Mortgage

Document Number	0000293347,
Date	Apr 6, 2026
Instrument	2026293347

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Apr 1, 2051

Interest

Rate	6.01%
Max Rate	-1%

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	BELL KY
Recording Date	May 17, 2022
Property Address	111 WILLOW ST, MIDDLESBORO, KY 40965-1951
Document Number	00D396/420
Book / Page	D396 / 420
Instrument Date	May 16, 2022
Instrument	191565
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Amount	Amount Recorded
Tax	$100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	121 WILLOW ST, MIDDLESBORO, KY 40965-1951

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	111 WILLOW ST, MIDDLESBORO, KY 40965-1951

January 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	BELL KY
Recording Date	Jan 4, 2017
Property Address	111 WILLOW ST, MIDDLESBORO, KY 40965-1951
Document Number	00D372/705
Book / Page	D372 / 705
Instrument Date	Dec 21, 2016
Instrument	170196
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$30.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	111 WILLOW ST, MIDDLESBORO, KY 40965-1951

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 WILLOW ST, MIDDLESBORO, KY 40965-1951

Mortgage

Document Number	0000170197
Date	Jan 4, 2017
Instrument	170197

Lender

Name	FIRST STATE FINANCIAL INC
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Dec 21, 2026

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	$1,072.00 (+2.39%)	$100,000 (-) Land $100,000	$100,000 (-) Land $100,000
2023	$1,047.00	$100,000	$100,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	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.

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 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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