195 Siler Ln, Middlesboro, KY 40965 Property Records

Bell County property record for 195 Siler Ln, Middlesboro, KY 40965

Property Summary

Property Type	Single Family Home
Details	1,870 sqft
Owner	Individual Name on Record
Last Sale	$165,000 (Jul 2025)
Tax Bill	$1,081 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`070-10-00-075.00`

Property Details

APN / Parcel Number

Primary APN	`070-10-00-075.00`
Alternative APNs	`14957` `61877`

Interior

Stories	1 Story
Building Area	1,870 sqft Living Area

Exterior

Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Driveway	Gravel Driveway

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Account Number	61877
Street Address	195 SILER LN
City	MIDDLESBORO
State	KY
Zip	40965-1999
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	SE 901 (LOT & HOUSE)
Jurisdiction	BELL KY
Township / Civil Division	MIDDLESBOROUGH
Census Block Group	4
Census Block	4021
Census Tract	960600

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	195 SILER LN, MIDDLESBORO, KY 40965-1999
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 11, 2025 · Amount on Record
Deed Sale	Jul 11, 2025 · Amount on Record
Prior Sale	Jan 15, 2022 · Amount on Record
Deed Document Number	2025261944
Deed Book / Page	411 / 233
Prior Transfer Date	Jul 10, 2025
Prior Transfer Doc	00D411/233
Record Updated	Jun 8, 2026

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	BELL KY
Recording Date	Jan 20, 2022
Property Address	195 SILER LN, MIDDLESBORO, KY 40965-1999
Document Number	00D394/632
Book / Page	D394 / 632
Instrument Date	Jan 15, 2022
Instrument	189990
Transaction Type	Transfer
Record Updated	Apr 4, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$150.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2215 DREX AVE, 2215, CINCINNATI, OH 45212-1603

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 SILER LN, MIDDLESBORO, KY 40965-1999

Mortgage

Document Number	0000189991
Date	Jan 20, 2022
Instrument	189991

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

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	$1,081.00 (-31.15%) Homeowner's exemption	$150,000 (-) Land $150,000	$150,000 (-) Land $150,000
2023	$1,570.00	$150,000	$150,000

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	12 (1981–2022)
Claims Outside the SFHA	4 of 12
Most Recent Claim	Jul 2022 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2011 · 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

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

Wildfire Risk	Moderate above 58% of the US · above 78% of Kentucky
Wildfire Likelihood	0.2% 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 159 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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