1120 Gloucester Ave, Middlesboro, KY 40965 Property Records

Bell County property record for 1120 Gloucester Ave, Middlesboro, KY 40965

Property Summary

Property Type	Single Family Home
Details	1,976 sqft · built 1957
Lot Size	0.321 acres (14,000 sqft)
Owner	Individual Name on Record
Last Sale	$148,000 (Apr 2016)
Tax Bill	$1,060 (2025)
Deeds & Mortgages	Apr 2024 Second Mortgage Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`069-24-02-008.00`

Property Details

APN / Parcel Number

Primary APN	`069-24-02-008.00`
Alternative APNs	`12707` `9105`

Interior

Stories	1 Story
Building Area	1,976 sqft Living Area

Exterior

Year Built	Built 1957
Architectural Style	A-Frame
Construction Type	Frame
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	14,000 sqft (0.321 acres)
Lot Dimensions	140 ft deep x 100 ft wide
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Gas

Location & Zoning

Account Number	12707
Street Address	1120 GLOUCESTER AVE
City	MIDDLESBORO
State	KY
Zip	40965-2209
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NW 101 (LOTS 7-8)
Legal Lot Number	7-8
Jurisdiction	BELL KY
Township / Civil Division	MIDDLESBOROUGH
Census Block Group	2
Census Block	2024
Census Tract	960700

Owner

Source: Bell County records, as of December 15, 2025

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	1120 GLOUCESTER AVE, MIDDLESBORO, KY 40965-2209
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage L&N FCU
Aug 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage COMMONWEALTH CREDIT UNION
Jun 29, 2018	Deed of Trust, Mortgage · Conventional Mortgage COMMONWEALTH CREDIT UNION
Jun 29, 2018	Deed of Trust, Mortgage · Line of Credit COMMONWEALTH CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 4, 2016 · Amount on Record
Deed Sale	Apr 4, 2016 · Amount on Record
Deed Document Number	166639
Deed Book / Page	D369 / 305
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL KY
Property Address	1120 GLOUCESTER AVE, MIDDLESBORO, KY 40965-2209
Transaction Type	Mortgage
Record Updated	Apr 25, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M392/604
Date	Apr 9, 2024
Book Page	M392/604
Instrument	200769

Lender

Name	L&N FCU
Type	Credit Union
Address	FRANKFORT, KY 40602

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2039

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL KY
Property Address	1120 GLOUCESTER AVE, MIDDLESBORO, KY 40965-2209
Transaction Type	Mortgage
Record Updated	Apr 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M374/562
Date	Aug 23, 2021
Book Page	M374/562
Instrument	187870

Lender

Name	COMMONWEALTH CREDIT UNION
Type	Credit Union
Address	FRANKFORT, KY 40602

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2041

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL KY
Property Address	1120 GLOUCESTER AVE, MIDDLESBORO, KY 40965-2209
Transaction Type	Mortgage
Record Updated	Mar 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M350/746
Date	Jun 29, 2018
Book Page	M350/746
Instrument	175757

Lender

Name	COMMONWEALTH CREDIT UNION
Type	Credit Union
Address	FRANKFORT, KY 40602

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Jul 1, 2028
Change Frequency	Annually
Min Rate At Change	3.5%
Max Rate At Change	6.25%
Index	1-Year CMT
Max Rate	10.2%

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL KY
Property Address	1120 GLOUCESTER AVE, MIDDLESBORO, KY 40965-2209
Transaction Type	Mortgage
Record Updated	Mar 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M350/765
Date	Jun 29, 2018
Book Page	M350/765
Instrument	175758

Lender

Name	COMMONWEALTH CREDIT UNION
Type	Credit Union
Address	FRANKFORT, KY 40602

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Bell County assessment roll, as of October 15, 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	$1,060.00 (-0.38%) Homeowner's exemption	$148,000 (-) Land $148,000	$148,000 (-) Land $148,000
2023	$1,064.00 Homeowner's exemption	$148,000	$148,000

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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 63% of the US · above 67% 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 303 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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