207 Summit Dr, Middlesboro, KY 40965 Property Records

Bell County property record for 207 Summit Dr, Middlesboro, KY 40965

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,752 sqft · built 1964
Lot Size	0.228 acres (9,900 sqft)
Owner	Individual Name on Record
Tax Bill	$1,167 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Jun 2012 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`082-20-00-252.00`

Property Details

APN / Parcel Number

Primary APN	`082-20-00-252.00`
Alternative APNs	`11449` `3973`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,752 sqft Living Area

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	A-Frame
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,900 sqft (0.228 acres)
Lot Dimensions	110 ft deep x 90 ft wide
Driveway	Asphalt Driveway
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	11449
Street Address	207 SUMMIT DR
City	MIDDLESBORO
State	KY
Zip	40965-1121
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SE 115GS (LOT 20)
Legal Subdivision	GUM SPRINGS
Legal Lot Number	20
Jurisdiction	BELL KY
Township / Civil Division	MIDDLESBOROUGH
Census Block Group	2
Census Block	2010
Census Tract	960500

Owner

Source: Bell County records, as of May 26, 2026

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	207 SUMMIT DR, MIDDLESBORO, KY 40965-1121
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Mar 5, 2026	Intrafamily Transfer, Transfer · VA Mortgage THE FEDERAL SAVINGS BANK
Jun 26, 2012	Deed, Transfer MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 5, 2026
Deed Sale	Mar 5, 2026
Prior Sale	Jun 26, 2012 · Amount on Record
Deed Document Number	2026292848
Deed Book / Page	414 / 76
Prior Transfer Date	Feb 23, 2026
Prior Transfer Doc	000D414/76
Record Updated	Sep 20, 2026

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BELL KY
Recording Date	Mar 5, 2026
Property Address	207 SUMMIT DR, MIDDLESBORO, KY 40965-1121
Document Number	000D414/76
Book / Page	D414 / 76
Instrument Date	Feb 23, 2026
Instrument	292848
Transaction Type	Transfer
Record Updated	Mar 20, 2026
Title Company	BCHH

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	207 SUMMIT DR, MIDDLESBORO, KY 40965-1121

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 SUMMIT DR, MIDDLESBORO, KY 40965-1121

Mortgage

Document Number	0000292853
Date	Mar 5, 2026
Instrument	292853

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2056

June 2012: Deed, Transfer

Document Type	Deed
Jurisdiction	BELL KY
Recording Date	Jun 26, 2012
Property Address	207 SUMMIT DR, MIDDLESBORO, KY 40965-1121
Document Number	D356/632
Book / Page	D356 / 632
Instrument Date	Jun 21, 2012
Transaction Type	Transfer
Record Updated	Nov 29, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 SUMMIT DR, MIDDLESBORO, KY 40965-1121

Mortgage

Document Number	00M307/289
Date	Jun 26, 2012
Book Page	M307/289

Lender

Name	MORTGAGE RESEARCH CENTER LLC

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2042

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	$1,167.00 (+22.33%) Homeowner's exemption	$158,000 (+14.91%) Land $158,000	$158,000 (+14.91%) Land $158,000
2023	$954.00 Homeowner's exemption	$137,500	$137,500

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
Flood Insurance Cost	Premium on Record median of 43 policies
Nearby Flood Policies	43 in force
Nearby Flood Claims	153 (1980–2021)
Claims Outside the SFHA	18 of 153
Most Recent Claim	Mar 2021 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2011 · 29 claims Severe Storms, Tornadoes,and Flooding, Apr 1998 · 14 claims Severe Weather, Freezing Rain, Sleet, Snw, Feb 1994 · 21 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 50% of the US · above 75% of Kentucky
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 152 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: AT&T, T-Mobile.

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