Bell County property record for 2031 Cumberland Ave, Middlesboro, KY 40965
| Property Type | Commercial |
|---|---|
| Details | 9,000 sqft · built 1890 |
| Owner | Company Name on Record |
| Last Sale | $26,910 (Sep 2019) |
| Tax Bill | $288 (2025) |
| Deeds & Mortgages | Mar 2020 Mortgage Sep 2019 Sale |
| Flood Zone | Zone AE (high risk) |
| APN | 069-44-04-001.00 |
| Primary APN | 069-44-04-001.00 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 9,000 sqft Living Area |
| Year Built | Built 1890 |
|---|---|
| Exterior Material | Brick Veneer |
| Construction Type | Masonry / Concrete Block |
| Roof Material | Tile |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 1281 |
|---|---|
| Street Address | 2031 CUMBERLAND AVE |
| City | MIDDLESBORO |
| State | KY |
| Zip | 40965-2828 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | SE 10 (LOT 1) |
| Legal Lot Number | 1 |
| Jurisdiction | BELL KY |
| Township / Civil Division | MIDDLESBOROUGH |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 960600 |
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 December 15, 2025
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 |
| Date | Document |
|---|---|
| Mar 16, 2020 | Deed of Trust, Mortgage HOME FEDERAL BANK CORP |
| Sep 23, 2019 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 23, 2019 · Amount on Record |
| Deed Sale | Sep 23, 2019 · Amount on Record |
| Deed Document Number | 180451 |
| Deed Book / Page | D384 / 547 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BELL KY |
| Property Address | 2031 CUMBERLAND AVE, MIDDLESBORO, KY 40965-2828 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 00M362/570 |
|---|---|
| Date | Mar 16, 2020 |
| Book Page | M362/570 |
| Instrument | 182317 |
| Name | HOME FEDERAL BANK CORP |
|---|---|
| Type | Bank |
| Address | MIDDLESBORO, KY 40965 |
| Amount | Amount Recorded |
|---|---|
| Term | 198 Months |
| Due | Sep 11, 2036 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | BELL KY |
| Recording Date | Sep 23, 2019 |
| Property Address | 2031 CUMBERLAND AVE, MIDDLESBORO, KY 40965-2828 |
| Document Number | 00D384/547 |
| Book / Page | D384 / 547 |
| Instrument Date | Sep 17, 2019 |
| Instrument | 180451 |
| Transaction Type | Transfer |
| Record Updated | Mar 7, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $27.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 200, HARROGATE, TN 37752-0200 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 218, MIDDLESBORO, KY 40965-0218 |
| Investor | Possibly a Property Investor |
Source: Bell County assessment roll, as of October 15, 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 | $288.00 (+2.49%) | $26,900 (-) Land $26,900 | $26,900 (-) Land $26,900 |
| 2023 | $281.00 | $26,900 | $26,900 |
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 32 policies |
| Nearby Flood Policies | 32 in force |
| Nearby Flood Claims | 24 (1982–2021) |
| Claims Outside the SFHA | 2 of 24 |
| Most Recent Claim | Mar 2021 · river or lake flooding |
| 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures