Bell County property record for 2010 Cumberland Ave, Middlesboro, KY 40965
| Property Type | Commercial |
|---|---|
| Details | 15,038 sqft |
| Owner | 2 Individual Names on Record |
| Last Sale | $300,000 (Oct 2024) |
| Tax Bill | $3,216 (2025) |
| Deeds & Mortgages | Oct 2022 Sale Sep 2022 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 069-43-00-017.00 |
| Primary APN | 069-43-00-017.00 |
|---|---|
| Alternative APNs |
|
| Stories | 3 Stories |
|---|---|
| Building Area | 15,038 sqft Living Area |
| Exterior Material | Brick |
|---|---|
| Construction Type | Masonry / Concrete Block |
| Roof Type | Flat |
| Roof Material | Other |
| Driveway | Driveway |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 60358 |
|---|---|
| Street Address | 2010 CUMBERLAND AVE |
| City | MIDDLESBORO |
| State | KY |
| Zip | 40965-2829 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Local Zoning Code | RESIDENTIA |
| Legal Description | NE 10 (LOTS 11-12) |
| Legal Subdivision | NORTHEAST MIDDLESBORO |
| Legal Lot Number | 11-12 |
| Jurisdiction | BELL KY |
| Township / Civil Division | MIDDLESBOROUGH |
| Census Block Group | 1 |
| Census Block | 1044 |
| Census Tract | 960700 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Middlesboro Downtown Commercial District listed 1983 · 61 contributing resources · NRIS 83002554 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Bell County records, as of June 15, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2010 CUMBERLAND AVE, MIDDLESBORO, KY 40965-2829 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 4, 2022 | Deed, Transfer |
| Sep 12, 2022 | Deed of Trust, Mortgage HEARTHSIDE BANK CORP |
| Jul 2, 2018 | Deed, Transfer · Stand-Alone First Mortgage COMMUNITY TRUST BANK INC |
| Feb 14, 2017 | Commissioner's Deed, Foreclosure |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 16, 2024 · Amount on Record |
| Deed Sale | Oct 16, 2024 · Amount on Record |
| Prior Sale | Oct 4, 2022 · Amount on Record |
| Deed Document Number | 2024244722 |
| Deed Book / Page | 408 / 419 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BELL KY |
| Recording Date | Oct 4, 2022 |
| Property Address | 2010 CUMBERLAND AVE, MIDDLESBORO, KY 40965-2829 |
| Document Number | 00D398/480 |
| Book / Page | D398 / 480 |
| Instrument Date | Sep 30, 2022 |
| Instrument | 193575 |
| Transaction Type | Transfer |
| Record Updated | Oct 17, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $300.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 311 CEDAR RIDGE DR, 311, LONDON, KY 40744-7446 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 1141, MIDDLESBORO, KY 40965-2941 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BELL KY |
| Property Address | 2010 CUMBERLAND AVE, MIDDLESBORO, KY 40965-2829 |
| Transaction Type | Mortgage |
| Record Updated | Sep 20, 2022 |
| Name | Verified Name |
|---|
| Document Number | 00M383/432 |
|---|---|
| Date | Sep 12, 2022 |
| Book Page | M383/432 |
| Instrument | 193281 |
| Name | HEARTHSIDE BANK CORP |
|---|---|
| Type | Bank |
| Address | MIDDLESBORO, KY 40965 |
| Amount | Amount Recorded |
|---|---|
| Term | 60 Months |
| Due | Sep 2, 2027 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BELL KY |
| Recording Date | Jul 2, 2018 |
| Property Address | 2010 CUMBERLAND AVE, MIDDLESBORO, KY 40965-2829 |
| Document Number | 00D378/667 |
| Book / Page | D378 / 667 |
| Instrument Date | Jun 12, 2018 |
| Instrument | 175772 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $340.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 2947, PIKEVILLE, KY 41502-2947 |
| Name | Verified Name |
|---|---|
| Address | 311 CEDAR RIDGE DR, LONDON, KY 40744-7446 |
| Document Number | 0000175775 |
|---|---|
| Date | Jul 2, 2018 |
| Instrument | 175775 |
| Name | COMMUNITY TRUST BANK INC |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | Jun 12, 2038 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Commissioner's Deed |
|---|---|
| Jurisdiction | BELL KY |
| Recording Date | Feb 14, 2017 |
| Property Address | 2010 CUMBERLAND AVE, MIDDLESBORO, KY 40965-2829 |
| Document Number | 00D373/277 |
| Book / Page | D373 / 277 |
| Instrument Date | Jan 25, 2017 |
| Instrument | 170661 |
| Transaction Type | Foreclosure |
| Record Updated | Aug 9, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
Source: Bell County assessment roll, as of December 16, 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 | $3,216.00 (+2.39%) | $300,000 (-) Land $300,000 | $300,000 (-) Land $300,000 |
| 2023 | $3,141.00 | $300,000 | $300,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 10 policies |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 43 (1981–2021) |
| Claims Outside the SFHA | 21 of 43 |
| Most Recent Claim | Mar 2021 · rainfall accumulation |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · above 67% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.02% 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 342 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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