1807 Winchester Ave, Middlesboro, KY 40965 Property Records

Bell County property record for 1807 Winchester Ave, Middlesboro, KY 40965

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,104 sqft · built 1955
Lot Size	0.173 acres (7,500 sqft)
Owner	2 Individual Names on File
Last Sale	$135,000 (Jul 2023)
Tax Bill	$1,456 (2025)
Deeds & Mortgages	Jul 2026 Sale & Line of Credit Jul 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`057-44-00-095.00`

Property Details

APN / Parcel Number

Primary APN	`057-44-00-095.00`
Alternative APNs	`12987` `12122`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,104 sqft Living Area
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,500 sqft (0.173 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	512 sqft
Driveway	Asphalt Driveway
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	12122
Street Address	1807 WINCHESTER AVE
City	MIDDLESBORO
State	KY
Zip	40965-2421
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SW 108 (LOT 16; BLK 108)
Legal Subdivision	MIDDLESBORO
Legal Lot Number	16
Jurisdiction	BELL KY
Township / Civil Division	MIDDLESBOROUGH
Census Block Group	3
Census Block	3013
Census Tract	960600

Owner

1807 Winchester Ave is owned and occupied by two individuals who bought it in July 2023.

Source: Bell County records, as of June 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1807 WINCHESTER AVE, MIDDLESBORO, KY 40965-2421
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2026	Deed, Transfer · Line of Credit Y-12 FEDERAL CREDIT UNION
Jul 21, 2023	Deed, Transfer · Conventional Mortgage TRUIST BANK
Jun 27, 2022	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA
Sep 26, 2018	Deed, Transfer · Conventional Mortgage HOME FEDERAL BANK CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2023 · Amount on File
Deed Sale	Jul 21, 2023 · Amount on File
Prior Sale	Jul 6, 2023 · Amount on File
Deed Document Number	2023197360
Deed Book / Page	402 / 33
Record Updated	Sep 20, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	BELL KY
Recording Date	Jul 23, 2026
Property Address	1807 WINCHESTER AVE, MIDDLESBORO, KY 40965-2421
Document Number	0000295174
Book / Page	415 / 619
Instrument Date	Jul 20, 2026
Instrument	2026295174
Transaction Type	Transfer
Record Updated	Aug 4, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$15,402.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000295177,
Date	Jul 23, 2026
Instrument	2026295177

Lender

Name	Y-12 FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	BELL KY
Recording Date	Jul 21, 2023
Property Address	1807 WINCHESTER AVE, MIDDLESBORO, KY 40965-2421
Document Number	000D402/33
Book / Page	D402 / 33
Instrument Date	Jul 20, 2023
Instrument	197360
Transaction Type	Transfer
Record Updated	Aug 9, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$135.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1807 WINCHESTER AVE, MIDDLESBORO, KY 40965-2421

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1807 WINCHESTER AVE, MIDDLESBORO, KY 40965-2421

Mortgage

Document Number	0000197361
Date	Jul 21, 2023
Instrument	197361

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL KY
Property Address	1807 WINCHESTER AVE, MIDDLESBORO, KY 40965-2421
Transaction Type	Mortgage
Record Updated	Dec 20, 2022
Title Company	FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1807 WINCHESTER AVE, MIDDLESBORO, KY 40965-2421

Mortgage

Document Number	00M382/245
Date	Jun 27, 2022
Book Page	M382/245
Instrument	192223

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	316 Months
Due	Oct 1, 2048

September 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	BELL KY
Recording Date	Sep 26, 2018
Property Address	1807 WINCHESTER AVE, MIDDLESBORO, KY 40965-2421
Document Number	00D379/607
Book / Page	D379 / 607
Instrument Date	Sep 26, 2018
Instrument	176759
Transaction Type	Transfer
Record Updated	Dec 20, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$86.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	256 VOLUNTEER LN, HARROGATE, TN 37752-7407

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1807 WINCHESTER AVE, MIDDLESBORO, KY 40965-2421

Mortgage

Document Number	0000176760
Date	Sep 26, 2018
Instrument	176760

Lender

Name	HOME FEDERAL BANK CORP
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 1807 Winchester Ave was $1,456.

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	$1,456.00	$135,900 Land $135,900	$135,900 Land $135,900
2023	$899.00 (-0.88%)	$85,900 (-)	$85,900 (-)
2022	$907.00	$85,900	$85,900

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

Flood

FEMA maps place 1807 Winchester Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 39 policies
Nearby Flood Policies	39 in force
Nearby Flood Claims	17 (1983–2025)
Claims Outside the SFHA	3 of 17
Most Recent Claim	Feb 2025 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Feb 2025 · 2 claims Severe Storms, Tornadoes, And Flooding, Jun 2011 · 12 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 1807 Winchester Ave is low, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · above 68% of Kentucky
Wildfire Likelihood	0.08% 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 166 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: T-Mobile.

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