161 S 46th St, Middlesboro, KY 40965 Property Records

Bell County property record for 161 S 46th St, Middlesboro, KY 40965

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,176 sqft · built 2004
Lot Size	0.242 acres (10,542 sqft)
Owner	Individual Name on File
Last Sale	$120,000 (Jan 2022)
Tax Bill	$1,286 (2025)
Deeds & Mortgages	Jun 2021 Mortgage May 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`057-42-00-068.00`

Property Details

APN / Parcel Number

Primary APN	`057-42-00-068.00`
Alternative APNs	`1483` `6094`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,176 sqft Living Area
Family Room	Family Room

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Vinyl
Roof Type	Shed Roof
Roof Material	Composition Shingle
Lot Area	10,542 sqft (0.242 acres)
Terrain	Rolling
Driveway	Gravel Driveway
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	6094
Street Address	161 S 46TH ST
City	MIDDLESBORO
State	KY
Zip	40965-2590
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SW 115W (0.242 ACRE)
Legal Subdivision	ROBERT RENFRO PROPERTY
Jurisdiction	BELL KY
Township / Civil Division	MIDDLESBOROUGH
Census Block Group	1
Census Block	1024
Census Tract	960600

Owner

161 S 46th St is owned by an individual who bought it in January 2022.

Source: Bell County records, as of December 16, 2025

Owner of Record	Individual Name on File
Mailing Address	236 S 46TH ST, MIDDLESBORO, KY 40965-2574
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2021	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
May 18, 2017	Deed of Trust, Mortgage COMMUNITY TRUST BANK INC
Jan 21, 2022	Deed, Transfer
Aug 5, 2021	Intrafamily Transfer, Transfer
Nov 3, 2018	Warranty Deed, Transfer · FHA Mortgage LEADER ONE FINANCIAL CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 21, 2022 · Amount on File
Deed Sale	Jan 21, 2022 · Amount on File
Prior Sale	Dec 10, 2018 · Amount on File
Deed Document Number	2022190011
Deed Book / Page	394 / 673
Prior Transfer Date	Aug 5, 2020
Prior Transfer Doc	00D392/374
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL KY
Property Address	161 S 46TH ST, MIDDLESBORO, KY 40965-2590
Transaction Type	Mortgage
Record Updated	Feb 6, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	236 S 46TH ST, MIDDLESBORO, KY 40965-2574

Mortgage

Document Number	00M372/391
Date	Jun 3, 2021
Book Page	M372/391
Instrument	186794

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	329 Months
Due	Nov 1, 2048

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL KY
Property Address	161 S 46TH ST, MIDDLESBORO, KY 40965-2590
Transaction Type	Mortgage
Record Updated	Feb 6, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 FAIRVIEW RD, MIDDLESBORO, KY 40965-1488

Mortgage

Document Number	00M343/729
Date	May 18, 2017
Book Page	M343/729
Instrument	171639

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank
Address	MIDDLESBORO, KY 40965

Agreement

Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	BELL KY
Recording Date	Jan 21, 2022
Property Address	161 S 46TH ST, MIDDLESBORO, KY 40965-2590
Document Number	00D394/673
Book / Page	D394 / 673
Instrument Date	Jan 21, 2022
Instrument	190011
Transaction Type	Transfer
Record Updated	Feb 6, 2024

Transaction

Amount	Amount on Record
Tax	$120.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	161 S 46TH ST, MIDDLESBORO, KY 40965-2590

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	236 S 46TH ST, MIDDLESBORO, KY 40965-2574

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BELL KY
Recording Date	Aug 5, 2021
Property Address	161 S 46TH ST, MIDDLESBORO, KY 40965-2590
Document Number	00D392/374
Book / Page	D392 / 374
Instrument Date	Aug 5, 2020
Instrument	187612
Transaction Type	Transfer
Record Updated	Feb 6, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	236 S 46TH ST, MIDDLESBORO, KY 40965-2574

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	614 EXETER AVE, MIDDLESBORO, KY 40965-1428

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BELL KY
Recording Date	Nov 3, 2018
Property Address	161 S 46TH ST, MIDDLESBORO, KY 40965-2590
Document Number	00D380/121
Book / Page	D380 / 121
Instrument Date	Oct 29, 2018
Instrument	177213
Transaction Type	Transfer
Record Updated	Feb 6, 2024
Title Company	WARRANTY TITLE INSURANCE COMPANY INC, WARRANTY TITLE INS CO INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$77.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	263 LILLIE LN, TAZEWELL, TN 37879-4679

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	236 S 46TH ST, MIDDLESBORO, KY 40965-2574

Mortgage

Document Number	0000177214
Date	Nov 3, 2018
Instrument	177214

Lender

Name	LEADER ONE FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 161 S 46th St was $1,286.

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	$1,286.00	$120,000 Land $120,000	$120,000 Land $120,000
2023	$1,256.00	$120,000	$120,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 161 S 46th St in Zone X, an area of minimal flood risk, though there have been 21 flood claims nearby since 1979.

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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	21 (1979–2021)
Claims Outside the SFHA	12 of 21
Most Recent Claim	Mar 2021 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2011 · 9 claims Severe Storms, Tornadoes,and Flooding, Apr 1998 · 2 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

Wildfire risk around 161 S 46th St is moderate, ranking above 46% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · above 74% of Kentucky
Wildfire Likelihood	0.1% 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 77 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Eastern Telephone & Technologies.

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