203 S 32nd St, Middlesboro, KY 40965 Property Records

Bell County property record for 203 S 32nd St, Middlesboro, KY 40965

Property Summary

Property Type	Single Family Home
Details	1 ba · 960 sqft · built 1948
Lot Size	0.137 acres (6,000 sqft)
Owner	Individual Name on Record
Last Sale	$95,000 (May 2022)
Tax Bill	$1,018 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`069-24-11-009.00`

Property Details

APN / Parcel Number

Primary APN	`069-24-11-009.00`
Alternative APNs	`14106` `6207`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	960 sqft Living Area

Exterior

Year Built	Built 1948
Exterior Material	Vinyl
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	6,000 sqft (0.137 acres)
Lot Dimensions	100 ft deep x 60 ft wide
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Gas

Location & Zoning

Account Number	6207
Street Address	203 S 32ND ST
City	MIDDLESBORO
State	KY
Zip	40965-2382
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SW 2 (PART LOTS 17 THRU 21 & HOUSE)
Legal Lot Number	17-21
Jurisdiction	BELL KY
Township / Civil Division	MIDDLESBOROUGH
Census Block Group	3
Census Block	3014
Census Tract	960600

Owner

Source: Bell County records, as of December 15, 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	203 S 32ND ST, MIDDLESBORO, KY 40965-2382
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 10, 2022	Deed, Transfer · Conventional Mortgage HEARTHSIDE BANK CORP
May 18, 2018	Deed, Transfer · Conventional Mortgage HOME FEDERAL BANK CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 10, 2022 · Amount on Record
Deed Sale	May 10, 2022 · Amount on Record
Prior Sale	May 18, 2018 · Amount on Record
Deed Document Number	191497
Deed Book / Page	D396 / 356
Record Updated	Jun 8, 2026

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	BELL KY
Recording Date	May 10, 2022
Property Address	203 S 32ND ST, MIDDLESBORO, KY 40965-2382
Document Number	00D396/356
Book / Page	D396 / 356
Instrument Date	Apr 26, 2022
Instrument	191497
Transaction Type	Transfer
Record Updated	May 23, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$95.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	116 EDGEWOOD RD, 116, MIDDLESBORO, KY 40965-2811

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 S 32ND ST, MIDDLESBORO, KY 40965-2382

Mortgage

Document Number	0000191498
Date	May 10, 2022
Instrument	191498

Lender

Name	HEARTHSIDE BANK CORP
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2052

May 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	BELL KY
Recording Date	May 18, 2018
Property Address	203 S 32ND ST, MIDDLESBORO, KY 40965-2382
Document Number	00D378/293
Book / Page	D378 / 293
Instrument Date	May 18, 2018
Instrument	175299
Transaction Type	Transfer
Record Updated	Mar 31, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$60.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	950 FITZPATRICK RD, 950, PRESTONSBURG, KY 41653-2177

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 S 32ND ST, MIDDLESBORO, KY 40965-2382

Mortgage

Document Number	0000175300
Date	May 18, 2018
Instrument	175300

Lender

Name	HOME FEDERAL BANK CORP
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

Source: Bell County assessment roll, as of October 15, 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	$1,018.00 (+2.41%)	$95,000 (-) Land $95,000	$95,000 (-) Land $95,000
2023	$994.00	$95,000	$95,000

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Low lower than 63% of the US · above 67% of Kentucky
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond 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 303 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

May also be available: T-Mobile.

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