Bell County property record for 212 Windermere Dr, Middlesboro, KY 40965
| Property Type | Single Family Home |
|---|---|
| Details | 1,476 sqft · built 2001 |
| Owner | Individual Name on File |
| Last Sale | $199,900 (Jan 2024) |
| Tax Bill | $2,386 (2025) |
| Deeds & Mortgages | Jan 2024 Sale & Mortgage Mar 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 068-10-00-105.27 |
| Primary APN | 068-10-00-105.27 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,476 sqft Living Area |
| Year Built | Built 2001 |
|---|---|
| Exterior Material | Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 58988 |
|---|---|
| Street Address | 212 WINDERMERE DR |
| City | MIDDLESBORO |
| State | KY |
| Zip | 40965-9437 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIAL |
| Legal Description | LOT 606 WINDERMERE PHASE II |
| Legal Phase | 2 |
| Legal Lot Number | 606 |
| Jurisdiction | BELL KY |
| Township / Civil Division | MIDDLESBOROUGH |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 960800 |
212 Windermere Dr is owned and occupied by an individual who bought it in January 2024.
Source: Bell County records, as of December 15, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 212 WINDERMERE DR, MIDDLESBORO, KY 40965-9437 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 25, 2024 | Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Mar 25, 2022 | Deed, Transfer COMMERCIAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 25, 2024 · Amount on File |
| Deed Sale | Jan 25, 2024 · Amount on File |
| Prior Sale | Mar 25, 2022 · Amount on File |
| Deed Document Number | 199798 |
| Deed Book / Page | D405 / 83 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BELL KY |
| Recording Date | Jan 25, 2024 |
| Property Address | 212 WINDERMERE DR, MIDDLESBORO, KY 40965-9437 |
| Document Number | 000D405/83 |
| Book / Page | D405 / 83 |
| Map Reference | MB 1 PG 19A SL 35 |
| Instrument Date | Jan 23, 2024 |
| Instrument | 199798 |
| Transaction Type | Transfer |
| Record Updated | Feb 14, 2024 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $200.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1211 HARPER PL, KNOXVILLE, TN 37922-5561 |
| Name | Verified Name |
|---|---|
| Address | 212 WINDERMERE DR, MIDDLESBORO, KY 40965-9437 |
| Document Number | 0000199803 |
|---|---|
| Date | Jan 25, 2024 |
| Instrument | 199803 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2054 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BELL KY |
| Recording Date | Mar 25, 2022 |
| Property Address | 212 WINDERMERE DR, MIDDLESBORO, KY 40965-9437 |
| Document Number | 00D395/651 |
| Book / Page | D395 / 651 |
| Map Reference | MB 1 PG 19A SL 35 |
| Instrument Date | Mar 21, 2022 |
| Instrument | 190773 |
| Transaction Type | Transfer |
| Record Updated | Mar 7, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $150.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 212 WINDERMERE DR, MIDDLESBORO, KY 40965-9437 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 212 WINDERMERE DR, MIDDLESBORO, KY 40965-9437 |
| Document Number | 0000190774 |
|---|---|
| Date | Mar 25, 2022 |
| Instrument | 190774 |
| Name | COMMERCIAL BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|
The 2025 property tax bill for 212 Windermere Dr was $2,386.
Source: Bell County assessment roll, as of October 15, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Bell County |
| Unified School District | Bell County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,386.00 | $199,900 Land $199,900 | $199,900 Land $199,900 |
| 2023 | $1,755.00 | $150,000 | $150,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 212 Windermere Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 risk around 212 Windermere Dr is high, ranking above 70% of the US, with a 0.3% annual chance of 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.
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 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.
4G LTE (outdoors only), no 5G reported
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