Bell County property record for 15 Cherokee Dr, Middlesboro, KY 40965
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,468 sqft · built 1958 |
| Owner | 2 Individual Names on File |
| Last Sale | $250,000 (Feb 2024) |
| Tax Bill | $2,680 (2025) |
| Deeds & Mortgages | Aug 2018 Line of Credit Aug 2019 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 069-10-00-091.00 |
| Primary APN | 069-10-00-091.00 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,468 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1958 |
|---|---|
| Exterior Material | Brick Veneer |
| Foundation Type | Brick |
| Roof Material | Composition Shingle |
| Terrain | Rolling |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Gas |
| Account Number | 59058 |
|---|---|
| Street Address | 15 CHEROKEE DR |
| City | MIDDLESBORO |
| State | KY |
| Zip | 40965-2133 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIAL |
| Legal Description | NE 902 (LOT 15) |
| Legal Lot Number | 15 |
| Jurisdiction | BELL KY |
| Township / Civil Division | MIDDLESBOROUGH |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 960700 |
15 Cherokee Dr is owned and occupied by two individuals who bought it in February 2024.
Source: Bell County records, as of December 15, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | 2 Co-owners on File |
| Mailing Address | 15 CHEROKEE DR, MIDDLESBORO, KY 40965-2133 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Aug 16, 2018 | Deed of Trust, Mortgage · Line of Credit FIRST STATE FINANCIAL INC |
| Aug 14, 2019 | Deed of Trust, Mortgage · Line of Credit HOME FEDERAL BANK CORP |
| Aug 14, 2019 | Deed of Trust, Mortgage HOME FEDERAL BANK CORP |
| Feb 12, 2024 | Deed, Transfer |
| Nov 6, 2020 | Deed, Transfer · Conventional Mortgage HOME FEDERAL BANK |
| Jul 10, 2017 | Survivorship Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 8, 2024 · Amount on File |
| Deed Sale | Feb 8, 2024 · Amount on File |
| Prior Sale | Jul 10, 2017 · Amount on File |
| Deed Document Number | 0000405323 |
| Deed Book / Page | D389 / 188 |
| Prior Transfer Date | Nov 6, 2020 |
| Prior Transfer Doc | 184725 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BELL KY |
| Property Address | 15 CHEROKEE DR, MIDDLESBORO, KY 40965-2133 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|---|
| Address | 15 CHEROKEE DR, MIDDLESBORO, KY 40965-2133 |
| Investor | Possibly a Property Investor |
| Document Number | 000M352/39 |
|---|---|
| Date | Aug 16, 2018 |
| Book Page | M352/39 |
| Instrument | 176333 |
| Name | FIRST STATE FINANCIAL INC |
|---|---|
| Type | Bank |
| Address | MIDDLESBORO, KY 40965 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 103 Months |
| Due | Mar 14, 2027 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BELL KY |
| Property Address | 15 CHEROKEE DR, MIDDLESBORO, KY 40965-2133 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 00M358/442 |
|---|---|
| Date | Aug 14, 2019 |
| Book Page | M358/442 |
| Instrument | 180075 |
| Name | HOME FEDERAL BANK CORP |
|---|---|
| Type | Bank |
| Address | MIDDLESBORO, KY 40965 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BELL KY |
| Property Address | 15 CHEROKEE DR, MIDDLESBORO, KY 40965-2133 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 00M358/430 |
|---|---|
| Date | Aug 14, 2019 |
| Book Page | M358/430 |
| Instrument | 180074 |
| Name | HOME FEDERAL BANK CORP |
|---|---|
| Type | Bank |
| Address | MIDDLESBORO, KY 40965 |
| Amount | Amount on Record |
|---|---|
| Term | 120 Months |
| Due | Aug 9, 2029 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | BELL KY |
| Recording Date | Feb 12, 2024 |
| Property Address | 15 CHEROKEE DR, MIDDLESBORO, KY 40965-2133 |
| Document Number | 00D405/323 |
| Book / Page | D405 / 323 |
| Instrument Date | Feb 8, 2024 |
| Instrument | 200141 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $250.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1031 CARRIE LEES PL, BOGART, GA 30622-5943 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 15 CHEROKEE DR, MIDDLESBORO, KY 40965-2133 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BELL KY |
| Recording Date | Nov 6, 2020 |
| Property Address | 15 CHEROKEE DR, MIDDLESBORO, KY 40965-2133 |
| Document Number | 00D389/188 |
| Book / Page | D389 / 188 |
| Instrument Date | Nov 6, 2020 |
| Instrument | 184725 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $213.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 15 CHEROKEE DR, MIDDLESBORO, KY 40965-2133 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 15 CHEROKEE DR, MIDDLESBORO, KY 40965-2133 |
| Document Number | 0000184727 |
|---|---|
| Date | Nov 6, 2020 |
| Instrument | 184727 |
| Name | HOME FEDERAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Survivorship Deed |
|---|---|
| Jurisdiction | BELL KY |
| Recording Date | Jul 10, 2017 |
| Property Address | 15 CHEROKEE DR, MIDDLESBORO, KY 40965-2133 |
| Document Number | 000D375/10 |
| Book / Page | D375 / 10 |
| Instrument Date | Jun 6, 2017 |
| Instrument | 172118 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Title Company | ACUTE TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $197.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 15 CHEROKEE DR, MIDDLESBORO, KY 40965-2133 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 15 CHEROKEE DR, MIDDLESBORO, KY 40965-2133 |
| Investor | Possibly a Property Investor |
| Document Number | 0000172119 |
|---|---|
| Date | Jul 10, 2017 |
| Instrument | 172119 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2047 |
The 2025 property tax bill for 15 Cherokee Dr was $2,680.
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 | $2,680.00 | $250,000 Land $250,000 | $250,000 Land $250,000 |
| 2023 | $2,235.00 | $213,500 | $213,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 15 Cherokee Dr 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 15 Cherokee Dr is moderate, ranking above 42% of the US, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · above 73% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | None beyond ember reach |
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 62 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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