208 Windermere Dr, Middlesboro, KY 40965 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2,465 sqft · built 1998
Owner	Individual Name on Record
Last Sale	$168,000 (Jan 2020)
Tax Bill	$2,005 (2025)
Deeds & Mortgages	Jan 2020 Sale & Mortgage Mar 2019 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`068-10-00-105.03`

Property Details

APN / Parcel Number

Primary APN	`068-10-00-105.03`
Alternative APNs	`14185` `5546`

Interior

Stories	2 Stories
Building Area	2,465 sqft Living Area

Exterior

Year Built	Built 1998
Exterior Material	Vinyl
Foundation Type	Block
Roof Material	Composition Shingle
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	5546
Street Address	208 WINDERMERE DR
City	MIDDLESBORO
State	KY
Zip	40965-9437
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 604 WINDERMERE PHASE I
Legal Phase	1
Legal Lot Number	604
Jurisdiction	BELL KY
Township / Civil Division	MIDDLESBOROUGH
Census Block Group	1
Census Block	1013
Census Tract	960800

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
Co-owner	Co-owner on Record
Mailing Address	208 WINDERMERE DR, MIDDLESBORO, KY 40965-9437
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2020	Special Warranty Deed, Transfer COMMERCIAL BANK
Mar 14, 2019	Commissioner's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 30, 2020 · Amount on Record
Deed Sale	Jan 30, 2020 · Amount on Record
Prior Sale	Mar 14, 2019 · Amount on Record
Deed Document Number	181828
Deed Book / Page	D386 / 336
Record Updated	Jun 8, 2026

January 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BELL KY
Recording Date	Jan 30, 2020
Property Address	208 WINDERMERE DR, MIDDLESBORO, KY 40965-9437
Document Number	00D386/336
Book / Page	D386 / 336
Instrument Date	Jan 21, 2020
Instrument	181828
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$168.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 400, HARROGATE, TN 37752-0400

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	208 WINDERMERE DR, MIDDLESBORO, KY 40965-9437

Mortgage

Document Number	0000181829
Date	Jan 30, 2020
Instrument	181829

Lender

Name	COMMERCIAL BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 21, 2050

March 2019: Commissioner's Deed, Foreclosure

Document Type	Commissioner's Deed
Jurisdiction	BELL KY
Recording Date	Mar 14, 2019
Property Address	208 WINDERMERE DR, MIDDLESBORO, KY 40965-9437
Document Number	00D381/345
Book / Page	D381 / 345
Instrument Date	Feb 25, 2019
Instrument	178556
Transaction Type	Foreclosure
Record Updated	Mar 7, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 400, HARROGATE, TN 37752-0400

Tax Assessment & Valuation

Source: Bell County assessment roll, as of October 15, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Bell County
Unified School District	Bell County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,005.00 (+2.04%)	$168,000 (-) Land $168,000	$168,000 (-) Land $168,000
2023	$1,965.00	$168,000	$168,000

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (2016–2021)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Mar 2021 · other causes

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	High above 70% of the US · above 83% of Kentucky
Wildfire Likelihood	0.3% 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 103 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Eastern Telephone & Technologies.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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