123 Upper Gibson Ln, Middlesboro, KY 40965 Property Records

Bell County property record for 123 Upper Gibson Ln, Middlesboro, KY 40965

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,088 sqft · built 1945
Owner	Company Name on Record
Last Sale	$130,000 (Apr 2026)
Tax Bill	$159 (2025)
Deeds & Mortgages	Jul 2026 Construction Loan Jun 2026 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`057-10-01-008.00`

Property Details

APN / Parcel Number

Primary APN	`057-10-01-008.00`
Alternative APNs	`10171` `61164`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,088 sqft Living Area

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Garage Type	Detached
Driveway	Asphalt Driveway
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	61164
Street Address	123 UPPER GIBSON LN
City	MIDDLESBORO
State	KY
Zip	40965-9066
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	NW NT8
Jurisdiction	BELL KY
Township / Civil Division	MIDDLESBOROUGH
Census Block Group	3
Census Block	3014
Census Tract	960800

Owner

Source: Bell County records, as of June 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	125 WOODLAND TRL, PINEVILLE, KY 40977-9747
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2026	Deed of Trust, Mortgage · Construction Mortgage COMMUNITY TRUST BANK
Jun 8, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Jun 8, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Jun 8, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Apr 13, 2026	Deed, Transfer · Conventional Mortgage COMMUNITY TRUST BANK
May 28, 2025	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 13, 2026 · Amount on Record
Deed Sale	Apr 13, 2026 · Amount on Record
Deed Document Number	2026293503
Deed Book / Page	414 / 495
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL KY
Recording Date	Jul 17, 2026
Property Address	123 UPPER GIBSON LN, MIDDLESBORO, KY 40965-9066
Document Number	0000295048
Book / Page	408 / 409
Instrument Date	Jul 3, 2026
Instrument	2026295048
Transaction Type	Mortgage
Record Updated	Jul 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	125 WOODLAND TRL, PINEVILLE, KY 40977-9747

Mortgage

Document Number	0000295048,
Date	Jul 17, 2026
Book Page	408/409
Instrument	2026295048

Lender

Name	COMMUNITY TRUST BANK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 3, 2027

Interest

Rate	6.48%
Max Rate	-1%

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	BELL KY
Recording Date	Jun 8, 2026
Property Address	123 UPPER GIBSON LN, MIDDLESBORO, KY 40965-9066
Document Number	0000294406
Book / Page	415 / 168
Instrument Date	Jun 8, 2026
Instrument	2026294406
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	125 WOODLAND TRL, PINEVILLE, KY 40977-9747

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	BELL KY
Recording Date	Jun 8, 2026
Property Address	123 UPPER GIBSON LN, MIDDLESBORO, KY 40965-9066
Document Number	0000294409
Book / Page	415 / 176
Instrument Date	Jun 8, 2026
Instrument	2026294409
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	125 WOODLAND TRL, PINEVILLE, KY 40977-9747

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	BELL KY
Recording Date	Jun 8, 2026
Property Address	123 UPPER GIBSON LN, MIDDLESBORO, KY 40965-9066
Document Number	0000294407
Book / Page	415 / 172
Instrument Date	Jun 8, 2026
Instrument	2026294407
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	125 WOODLAND TRL, PINEVILLE, KY 40977-9747

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	BELL KY
Recording Date	Apr 13, 2026
Property Address	123 UPPER GIBSON LN, MIDDLESBORO, KY 40965-9066
Document Number	0000293503
Book / Page	414 / 495
Instrument Date	Apr 3, 2026
Instrument	2026.293503
Transaction Type	Transfer
Record Updated	Apr 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$13,130.00
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	125 WOODLAND TRL, PINEVILLE, KY 40977-9747

Mortgage

Document Number	0000293503,
Date	Apr 13, 2026
Book Page	406/349
Instrument	2026.293503

Lender

Name	COMMUNITY TRUST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 3, 2046

Interest

Rate Type	Adjustable Rate
Rate	5.98%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	BELL KY
Recording Date	May 28, 2025
Property Address	123 UPPER GIBSON LN, MIDDLESBORO, KY 40965-9066
Document Number	00D410/582
Book / Page	D410 / 582
Instrument Date	May 23, 2025
Instrument	247901
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1125 HIGHWAY 3482, CALVIN, KY 40813-9082

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1260 HIGHWAY 3482, CALVIN, KY 40813-9083

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	$159.00 (-13.59%)	$64,000 (-) Land $64,000	$64,000 (-) Land $64,000
2023	$184.00 Homeowner's exemption	$64,000	$64,000

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	20 (1991–2026)
Claims Outside the SFHA	7 of 20
Most Recent Claim	Apr 2026 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2011 · 15 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 58% of the US · above 78% of Kentucky
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 159 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

May also be available: Verizon.

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