1308 Gloucester Ave, Middlesboro, KY 40965 Property Records

Bell County property record for 1308 Gloucester Ave, Middlesboro, KY 40965

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 4,079 sqft
Lot Size	0.712 acres (31,015 sqft)
Owner	2 Individual Names on Record
Last Sale	$539,000 (Jan 2026)
Tax Bill	$3,216 (2025)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Nov 2025 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`069-22-02-009.00`

Property Details

APN / Parcel Number

Primary APN	`069-22-02-009.00`
Alternative APNs	`16143` `61320`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	4,079 sqft Living Area

Exterior

Architectural Style	A-Frame
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	31,015 sqft (0.712 acres)
Driveway	Asphalt Driveway
Porch	Slab
Tennis Court	Tennis Court

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	61320
Street Address	1308 GLOUCESTER AVE
City	MIDDLESBORO
State	KY
Zip	40965-2213
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	NW 103 (LOTS 13-16)
Legal Lot Number	13-16
Jurisdiction	BELL KY
Township / Civil Division	MIDDLESBOROUGH
Census Block Group	2
Census Block	2023
Census Tract	960700

Owner

Source: Bell County records, as of February 11, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	1308 GLOUCESTER AVE, MIDDLESBORO, KY 40965-2213
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2026	Deed, Transfer · Commercial Mortgage HEARTHSIDE BANK CORP
Nov 14, 2025	Deed of Trust, Mortgage · Line of Credit Y-12 FCU
Dec 17, 2025	Divorce Transfer, Transfer
Sep 27, 2017	Deed of Trust, Mortgage · Construction Mortgage FIRST STATE FINANCIAL INC
Oct 11, 2018	Deed of Trust, Mortgage · Line of Credit FIRST STATE FINANCIAL INC
Aug 30, 2022	Deed of Trust, Mortgage · Line of Credit FIRST STATE FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 27, 2026 · Amount on Record
Deed Sale	Jan 27, 2026 · Amount on Record
Deed Document Number	2026292255
Deed Book / Page	413 / 608
Prior Transfer Date	Jun 26, 2025
Prior Transfer Doc	000D411/52
Record Updated	Sep 20, 2026

January 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	BELL KY
Recording Date	Jan 27, 2026
Property Address	1308 GLOUCESTER AVE, MIDDLESBORO, KY 40965-2213
Document Number	00D413/608
Book / Page	D413 / 608
Instrument Date	Jan 5, 2026
Instrument	292255
Transaction Type	Transfer
Record Updated	Feb 16, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$539.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	336 ILLINOIS AVE, SEYMOUR, TN 37865-4694

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1308 GLOUCESTER AVE, MIDDLESBORO, KY 40965-2213

Mortgage

Document Number	00M404/741
Date	Jan 27, 2026
Book Page	M404/741
Instrument	292256

Lender

Name	HEARTHSIDE BANK CORP
Type	Bank
Address	MIDDLESBORO, KY 40965

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL KY
Property Address	1308 GLOUCESTER AVE, MIDDLESBORO, KY 40965-2213
Transaction Type	Mortgage
Record Updated	Dec 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1308 GLOUCESTER AVE, MIDDLESBORO, KY 40965-2213

Mortgage

Document Number	00M403/603
Date	Nov 14, 2025
Book Page	M403/603
Instrument	291096

Lender

Name	Y-12 FCU
Type	Credit Union
Address	OAK RIDGE, TN 37830

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Nov 25, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2025: Divorce Transfer, Transfer

Document Type	Divorce Transfer
Jurisdiction	BELL KY
Recording Date	Dec 17, 2025
Property Address	1308 GLOUCESTER AVE, MIDDLESBORO, KY 40965-2213
Document Number	00D413/280
Book / Page	D413 / 280
Map Reference	MB 367 PG 538
Instrument Date	Dec 2, 2025
Instrument	291675
Transaction Type	Transfer
Record Updated	Jan 6, 2026

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	23 ENNISMORE DR, MIDDLESBORO, KY 40965-9434

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1308 GLOUCESTER AVE, MIDDLESBORO, KY 40965-2213

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL KY
Property Address	1308 GLOUCESTER AVE, MIDDLESBORO, KY 40965-2213
Transaction Type	Mortgage
Record Updated	Dec 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1308 GLOUCESTER AVE, MIDDLESBORO, KY 40965-2213

Mortgage

Document Number	000M346/32
Date	Sep 27, 2017
Book Page	M346/32
Instrument	172938

Lender

Name	FIRST STATE FINANCIAL INC
Type	Bank
Address	MIDDLESBORO, KY 40965

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL KY
Property Address	1308 GLOUCESTER AVE, MIDDLESBORO, KY 40965-2213
Transaction Type	Mortgage
Record Updated	Dec 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M352/719
Date	Oct 11, 2018
Book Page	M352/719
Instrument	176951

Lender

Name	FIRST STATE FINANCIAL INC
Type	Bank
Address	MIDDLESBORO, KY 40965

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Sep 28, 2048

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL KY
Property Address	1308 GLOUCESTER AVE, MIDDLESBORO, KY 40965-2213
Transaction Type	Mortgage
Record Updated	Dec 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1308 GLOUCESTER AVE, MIDDLESBORO, KY 40965-2213

Mortgage

Document Number	00M383/352
Date	Aug 30, 2022
Book Page	M383/352
Instrument	193100

Lender

Name	FIRST STATE FINANCIAL INC
Type	Bank
Address	MIDDLESBORO, KY 40965

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 18, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$3,216.00 (+2.39%)	$300,000 (-) Land $300,000	$300,000 (-) Land $300,000
2023	$3,141.00	$300,000	$300,000

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 63% of the US · above 67% of Kentucky
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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 36 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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