Bell County property record for 132 S 21st St, Middlesboro, KY 40965
| Property Type | Commercial |
|---|---|
| Details | 5,880 sqft · built 1900 |
| Lot Size | 0.069 acres (3,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $141,000 (Oct 2025) |
| Tax Bill | $1,286 (2025) |
| Deeds & Mortgages | Oct 2025 Sale & Mortgage Jul 2023 Transfer + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 069-44-03-011.00 |
| Primary APN | 069-44-03-011.00 |
|---|---|
| Alternative APNs |
|
| Stories | 3 Stories |
|---|---|
| Building Area | 5,880 sqft Total Area |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Flat |
| Lot Area | 3,000 sqft (0.069 acres) |
| Lot Dimensions | 100 ft deep x 30 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 12100 |
|---|---|
| Street Address | 132 S 21ST ST |
| City | MIDDLESBORO |
| State | KY |
| Zip | 40965-2813 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | SE 9 (30' LOTS 17-18-19-20) |
| Legal Subdivision | SECTION SOUTHEAST OF MIDDLESBOROUGH |
| Legal Lot Number | 17-18 |
| Jurisdiction | BELL KY |
| Township / Civil Division | MIDDLESBOROUGH |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 960600 |
132 S 21st St, a commercial property, is owned by an individual who bought it in October 2025.
Source: Bell County records, as of June 11, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1325 DORCHESTER AVE, MIDDLESBORO, KY 40965-2228 |
| Owner Type | Individual |
| Vesting | Single |
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 |
|---|---|
| Oct 6, 2025 | Deed, Transfer · Commercial Mortgage HEARTHSIDE BANK CORP |
| Jul 24, 2023 | Intrafamily Transfer, Transfer |
| Oct 19, 2010 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 6, 2025 · Amount on File |
| Deed Sale | Oct 6, 2025 · Amount on File |
| Prior Sale | Oct 19, 2010 · Amount on File |
| Deed Document Number | 2025281110 |
| Deed Book / Page | 412 / 430 |
| Prior Transfer Date | Jun 9, 2023 |
| Prior Transfer Doc | 0000197393 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BELL KY |
| Recording Date | Oct 6, 2025 |
| Property Address | 132 S 21ST ST, MIDDLESBORO, KY 40965-2813 |
| Document Number | 00D412/430 |
| Book / Page | D412 / 430 |
| Instrument Date | Sep 11, 2025 |
| Instrument | 281110 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $141.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3 ENNISMORE DR, MIDDLESBORO, KY 40965-9434 |
| Name | Verified Name |
|---|---|
| Address | 1325 DORCHESTER AVE, MIDDLESBORO, KY 40965-2228 |
| Document Number | 00M402/827 |
|---|---|
| Date | Oct 6, 2025 |
| Book Page | M402/827 |
| Instrument | 281111 |
| Name | HEARTHSIDE BANK CORP |
|---|---|
| Type | Bank |
| Address | MIDDLESBORO, KY 40965 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 239 Months |
| Due | Sep 10, 2045 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BELL KY |
| Recording Date | Jul 24, 2023 |
| Property Address | 132 S 21ST ST, MIDDLESBORO, KY 40965-2813 |
| Document Number | 000D402/61 |
| Book / Page | D402 / 61 |
| Instrument Date | Jun 9, 2023 |
| Instrument | 197393 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3 ENNISMORE DR, MIDDLESBORO, KY 40965-9434 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BELL KY |
| Recording Date | Oct 19, 2010 |
| Property Address | 132 S 21ST ST, MIDDLESBORO, KY 40965-2813 |
| Document Number | 00D350/363 |
| Book / Page | D350 / 363 |
| Instrument Date | Mar 1, 2010 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
The 2025 property tax bill for 132 S 21st St was $1,286, up 3% from the year before.
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 | $1,286.00 (+2.96%) | $120,000 (-) Land $120,000 | $120,000 (-) Land $120,000 |
| 2024 | $1,249.00 (+232.18%) | $120,000 (+233.33%) Land $120,000 | $120,000 (+233.33%) Land $120,000 |
| 2023 | $376.00 | $36,000 | $36,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 132 S 21st St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective January 28, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 32 policies |
| Nearby Flood Policies | 32 in force |
| Nearby Flood Claims | 24 (1982–2021) |
| Claims Outside the SFHA | 2 of 24 |
| Most Recent Claim | Mar 2021 · 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.
Wildfire risk around 132 S 21st St is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · above 67% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.04% 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.
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 342 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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