1623 Cumberland Ave, Middlesboro, KY 40965 Property Records

Bell County property record for 1623 Cumberland Ave, Middlesboro, KY 40965

Property Summary

Property Type	Commercial
Details	32,106 sqft · built 1972
Owner	Company Name on Record
Last Sale	$190,000 (Jul 2022)
Tax Bill	$7,932 (2025)
Deeds & Mortgages	Jun 2023 Sale Feb 2022 Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`082-20-00-224.00`

Property Details

APN / Parcel Number

Primary APN	`082-20-00-224.00`
Alternative APNs	`10276` `19`

Interior

Stories	1 Story
Building Area	32,106 sqft Building Perimeter

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Material	Tar & Gravel
View / Lot	Flood Plain/Flood Zone
Driveway	Asphalt Driveway
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	19
Street Address	1623 CUMBERLAND AVE
City	MIDDLESBORO
State	KY
Zip	40965-1224
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	SE 14 (PROPERTY & MOTEL & BLDGS)
Jurisdiction	BELL KY
Township / Civil Division	MIDDLESBOROUGH
Census Block Group	2
Census Block	2010
Census Tract	960500

Owner

Source: Bell County records, as of March 27, 2026

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

Owner of Record	Company Name on Record
Mailing Address	PO BOX 218, MIDDLESBORO, KY 40965-0218
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jun 19, 2023	Deed, Transfer
Feb 14, 2022	Deed of Trust, Mortgage HEARTHSIDE BANK CORP
Apr 23, 2019	Deed of Trust, Mortgage · Line of Credit HOME FEDERAL BANK CORP
Apr 23, 2019	Deed of Trust, Mortgage HOME FEDERAL BANK CORP
Feb 3, 2021	Deed of Trust, Mortgage · Construction Mortgage HOME FEDERAL BANK CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 6, 2022 · Amount on Record
Deed Sale	Jul 6, 2022 · Amount on Record
Deed Document Number	2022192362
Deed Book / Page	397 / 213
Last Transfer Date	Dec 8, 2023
Transfer Doc	0000199411
Record Updated	Jun 8, 2026

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	BELL KY
Recording Date	Jun 19, 2023
Property Address	1623 CUMBERLAND AVE, MIDDLESBORO, KY 40965-1224
Document Number	00D401/571
Book / Page	D401 / 571
Instrument Date	Jun 9, 2023
Instrument	197039
Transaction Type	Transfer
Record Updated	Jun 28, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	125 TWIN ACRES RD, MIDDLESBORO, KY 40965-9440

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 TWIN ACRES RD, MIDDLESBORO, KY 40965-9440

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL KY
Property Address	1623 CUMBERLAND AVE, MIDDLESBORO, KY 40965-1224
Transaction Type	Mortgage
Record Updated	Dec 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M379/139
Date	Feb 14, 2022
Book Page	M379/139
Instrument	190260

Lender

Name	HEARTHSIDE BANK CORP
Type	Bank
Address	MIDDLESBORO, KY 40965

Agreement

Amount	Amount Recorded
Term	216 Months
Due	Feb 3, 2040

Interest

Rate Type	Adjustable Rate

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL KY
Property Address	1623 CUMBERLAND AVE, MIDDLESBORO, KY 40965-1224
Transaction Type	Mortgage
Record Updated	Dec 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M356/271
Date	Apr 23, 2019
Book Page	M356/271
Instrument	178939

Lender

Name	HOME FEDERAL BANK CORP
Type	Bank
Address	MIDDLESBORO, KY 40965

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL KY
Property Address	1623 CUMBERLAND AVE, MIDDLESBORO, KY 40965-1224
Transaction Type	Mortgage
Record Updated	Dec 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M356/252
Date	Apr 23, 2019
Book Page	M356/252
Instrument	178937

Lender

Name	HOME FEDERAL BANK CORP
Type	Bank
Address	MIDDLESBORO, KY 40965

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Apr 16, 2039

Interest

Rate Type	Adjustable Rate

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL KY
Property Address	1623 CUMBERLAND AVE, MIDDLESBORO, KY 40965-1224
Transaction Type	Mortgage
Record Updated	Dec 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M369/558
Date	Feb 3, 2021
Book Page	M369/558
Instrument	185469

Lender

Name	HOME FEDERAL BANK CORP
Type	Bank
Address	MIDDLESBORO, KY 40965

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	11 Months
Due	Jan 20, 2022

Interest

Rate Type	Adjustable Rate

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	$7,932.00 (+2.39%)	$740,000 (-) Land $740,000	$740,000 (-) Land $740,000
2023	$7,747.00 (-0.86%)	$740,000 (-)	$740,000 (-)
2022	$7,814.00	$740,000	$740,000

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 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 Record median of 43 policies
Nearby Flood Policies	43 in force
Nearby Flood Claims	153 (1980–2021)
Claims Outside the SFHA	18 of 153
Most Recent Claim	Mar 2021 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2011 · 29 claims Severe Storms, Tornadoes,and Flooding, Apr 1998 · 14 claims Severe Weather, Freezing Rain, Sleet, Snw, Feb 1994 · 21 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 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach

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 152 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

May also be available: AT&T, T-Mobile.

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