Bell County property record for 122 Willow St, Middlesboro, KY 40965
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,792 sqft |
| Owner | Company Name on File |
| Tax Bill | $245 (2025) |
| Deeds & Mortgages | Nov 2022 Mortgage Aug 2021 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 068-40-00-170.00 |
| Primary APN | 068-40-00-170.00 |
|---|---|
| Alternative APNs |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,792 sqft Living Area |
| Architectural Style | A-Frame |
|---|---|
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Terrain | Rolling |
| Driveway | Asphalt Driveway |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 5065 |
|---|---|
| Street Address | 122 WILLOW ST |
| City | MIDDLESBORO |
| State | KY |
| Zip | 40965-1952 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NE BT1 (LAND AND HOUSE) |
| Legal Subdivision | G F JUSTICE |
| Jurisdiction | BELL KY |
| Township / Civil Division | MIDDLESBOROUGH |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 960700 |
122 Willow St is owned by a company that acquired it in March 2021 and is owner-occupied.
Source: Bell County records, as of December 16, 2025
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 122 WILLOW ST, MIDDLESBORO, KY 40965-1952 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Life Estate |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 4, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE FINANCIAL INC |
| Aug 6, 2021 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Mar 24, 2021 |
| Transfer Doc | 00D392/401 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BELL KY |
| Property Address | 122 WILLOW ST, MIDDLESBORO, KY 40965-1952 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2023 |
| Name | Verified Name |
|---|
| Document Number | 00M384/288 |
|---|---|
| Date | Nov 4, 2022 |
| Book Page | M384/288 |
| Instrument | 193955 |
| Name | FIRST STATE FINANCIAL INC |
|---|---|
| Type | Bank |
| Address | MIDDLESBORO, KY 40965 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 1, 2037 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BELL KY |
| Recording Date | Aug 6, 2021 |
| Property Address | 122 WILLOW ST, MIDDLESBORO, KY 40965-1952 |
| Document Number | 00D392/401 |
| Book / Page | D392 / 401 |
| Instrument Date | Mar 24, 2021 |
| Instrument | 187626 |
| Transaction Type | Transfer |
| Record Updated | Mar 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | PO BOX 656, MIDDLESBORO, KY 40965-0656 |
The 2025 property tax bill for 122 Willow St was $245 with a homeowner's exemption.
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 | $245.00 Homeowner's exemption | $72,000 Land $72,000 | $72,000 Land $72,000 |
| 2023 | $268.00 Homeowner's exemption | $72,000 | $72,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 122 Willow St in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1981.
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.
Wildfire risk around 122 Willow St is moderate, ranking above 59% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 59% of the US · above 78% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
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 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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