208 Summit Dr, Middlesboro, KY 40965 Property Records

Bell County property record for 208 Summit Dr, Middlesboro, KY 40965

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,650 sqft · built 1985
Owner	Individual Name on Record
Tax Bill	$1,768 (2025)
Deeds & Mortgages	May 2018 Mortgage Apr 2006 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`082-20-00-259.00`

Property Details

APN / Parcel Number

Primary APN	`082-20-00-259.00`
Alternative APNs	`12561` `59073`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,650 sqft Living Area

Exterior

Year Built	Built 1985
Architectural Style	A-Frame
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Block
Roof Material	Composition Shingle

Location & Zoning

Account Number	59073
Street Address	208 SUMMIT DR
City	MIDDLESBORO
State	KY
Zip	40965-1122
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIAL
Legal Description	SE 115GS (LOT 12 & PART OF 13)
Legal Lot Number	12
Jurisdiction	BELL KY
Township / Civil Division	MIDDLESBOROUGH
Census Block Group	2
Census Block	2011
Census Tract	960500

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	208 SUMMIT DR, MIDDLESBORO, KY 40965-1122
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 3, 2018	Deed of Trust, Mortgage · Conventional Mortgage HOME FEDERAL BANK CORP
Apr 24, 2006	Deed of Trust, Mortgage CITIZENS BANK
Feb 22, 2024	Intrafamily Transfer, Transfer
Feb 1, 2017	Warranty Deed, Transfer · Stand-Alone First Mortgage COMMERCIAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 16, 2024
Deed Sale	Feb 16, 2024
Deed Document Number	0000405391
Deed Book / Page	D373 / 194
Prior Transfer Date	Feb 1, 2017
Prior Transfer Doc	170555
Record Updated	Sep 20, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL KY
Property Address	208 SUMMIT DR, MIDDLESBORO, KY 40965-1122
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M349/734
Date	May 3, 2018
Book Page	M349/734
Instrument	175167

Lender

Name	HOME FEDERAL BANK CORP
Type	Bank
Address	MIDDLESBORO, KY 40965

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2048

April 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL KY
Property Address	208 SUMMIT DR, MIDDLESBORO, KY 40965-1122
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M250/753
Date	Apr 24, 2006
Book Page	M250/753

Lender

Name	CITIZENS BANK

Agreement

Amount	Amount Recorded
Term	121 Months
Due	May 1, 2016

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BELL KY
Recording Date	Feb 22, 2024
Property Address	208 SUMMIT DR, MIDDLESBORO, KY 40965-1122
Document Number	00D405/391
Book / Page	D405 / 391
Instrument Date	Feb 16, 2024
Instrument	200266
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2920 CUMBERLAND AVE, MIDDLESBORO, KY 40965-1542

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	208 SUMMIT DR, MIDDLESBORO, KY 40965-1122

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BELL KY
Recording Date	Feb 1, 2017
Property Address	208 SUMMIT DR, MIDDLESBORO, KY 40965-1122
Document Number	00D373/194
Book / Page	D373 / 194
Instrument Date	Jan 31, 2017
Instrument	170555
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$145.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	168 DEEVEL BLVD, HARROGATE, TN 37752-7859

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	208 SUMMIT DR, MIDDLESBORO, KY 40965-1122

Mortgage

Document Number	0000170556
Date	Feb 1, 2017
Instrument	170556

Lender

Name	COMMERCIAL BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 2, 2047

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	$1,768.00 (+16.47%)	$165,000 (+13.79%) Land $165,000	$165,000 (+13.79%) Land $165,000
2023	$1,518.00	$145,000	$145,000

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 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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