Bell County property record for 124 Upper Duncan Ln, Middlesboro, KY 40965
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,544 sqft · built 1975 |
| Lot Size | 0.38 acres (16,553 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $70,000 (Oct 2011) |
| Tax Bill | $857 (2025) |
| Deeds & Mortgages | Mar 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 057-34-00-061.00 |
| Primary APN | 057-34-00-061.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,544 sqft Living Area |
| Year Built | Built 1975 |
|---|---|
| Exterior Material | Brick Veneer |
| Foundation Type | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 16,553 sqft (0.38 acres) |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Floor/Wall Furnace |
| Account Number | 10567 |
|---|---|
| Street Address | 124 UPPER DUNCAN LN |
| City | MIDDLESBORO |
| State | KY |
| Zip | 40965-8688 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NW NT2 (0.38 ACRE & HOUSE) |
| Jurisdiction | BELL KY |
| Township / Civil Division | MIDDLESBOROUGH |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 960800 |
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 124 UPPER DUNCAN LN, MIDDLESBORO, KY 40965-8688 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 6, 2011 · Amount on Record |
| Deed Sale | Oct 6, 2011 · Amount on Record |
| Deed Document Number | 000D354186 |
| Deed Book / Page | D354 / 186 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BELL KY |
| Property Address | 124 UPPER DUNCAN LN, MIDDLESBORO, KY 40965-8688 |
| Transaction Type | Mortgage |
| Record Updated | Apr 4, 2022 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|---|
| Address | 124 UPPER DUNCAN LN, MIDDLESBORO, KY 40965-8688 |
| Document Number | 00M370/376 |
|---|---|
| Date | Mar 4, 2021 |
| Book Page | M370/376 |
| Instrument | 185758 |
| Name | COMMUNITY TRUST BANK INC |
|---|---|
| Type | Bank |
| Address | MIDDLESBORO, KY 40965 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 238 Months |
| Due | Jan 28, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Bell County assessment roll, as of October 15, 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 | $857.00 (+2.39%) | $80,000 (-) Land $80,000 | $80,000 (-) Land $80,000 |
| 2023 | $837.00 | $80,000 | $80,000 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 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 |
|
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 | Moderate above 53% of the US · above 76% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.1% 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 126 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 |
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