218 Windermere Dr, Middlesboro, KY 40965 Property Records

Bell County property record for 218 Windermere Dr, Middlesboro, KY 40965

Property Summary

Property Type	Single Family Home
Details	1,296 sqft · built 2002
Owner	2 Individual Names on File
Last Sale	$225,000 (Aug 2025)
Tax Bill	$2,029 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Jul 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`068-10-00-105.30`

Property Details

APN / Parcel Number

Primary APN	`068-10-00-105.30`
Alternative APNs	`62078` `6118`

Interior

Stories	1 Story
Building Area	1,296 sqft Living Area

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Garage Type	Attached
Garage Area	264 sqft
Driveway	Concrete Driveway
Parking Spaces	1 Parking Space
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	62078
Street Address	218 WINDERMERE DR
City	MIDDLESBORO
State	KY
Zip	40965-9437
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	LOT 609 WINDERMERE PHASE II
Legal Subdivision	WINDERMERE
Legal Phase	2
Legal Lot Number	609
Jurisdiction	BELL KY
Township / Civil Division	MIDDLESBOROUGH
Census Block Group	1
Census Block	1013
Census Tract	960800

Owner

218 Windermere Dr is owned by two individuals who bought it in August 2025.

Source: Bell County records, as of December 16, 2025

Owner of Record	2 Individual Names on File
Mailing Address	6 HAMPTON CT, MIDDLESBORO, KY 40965-9431
Owner Type	Individual
Vesting	Married Couple

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2022	Deed of Trust, Mortgage · Line of Credit FIRST STATE FINANCIAL INC
Jul 1, 2021	Deed, Transfer
Mar 8, 2017	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2025 · Amount on File
Deed Sale	Aug 25, 2025 · Amount on File
Prior Sale	Jul 1, 2021 · Amount on File
Deed Document Number	2025262804
Deed Book / Page	411 / 785
Prior Transfer Date	Feb 11, 2015
Prior Transfer Doc	00D365/286
Record Updated	Jun 8, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL KY
Property Address	218 WINDERMERE DR, MIDDLESBORO, KY 40965-9437
Transaction Type	Mortgage
Record Updated	Dec 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 ENNISMORE DR, MIDDLESBORO, KY 40965-9434

Mortgage

Document Number	00M382/431
Date	Jul 7, 2022
Book Page	M382/431
Instrument	192373

Lender

Name	FIRST STATE FINANCIAL INC
Type	Bank
Address	MIDDLESBORO, KY 40965

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Jun 27, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	BELL KY
Recording Date	Jul 1, 2021
Property Address	218 WINDERMERE DR, MIDDLESBORO, KY 40965-9437
Document Number	00D391/773
Book / Page	D391 / 773
Instrument Date	Jun 29, 2021
Instrument	187190
Transaction Type	Transfer
Record Updated	Dec 20, 2022

Transaction

Amount	Amount on Record
Tax	$170.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3065 OAK CT, LOGANVILLE, GA 30052-4254

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	218 WINDERMERE DR, MIDDLESBORO, KY 40965-9437

March 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	BELL KY
Recording Date	Mar 8, 2017
Property Address	218 WINDERMERE DR, MIDDLESBORO, KY 40965-9437
Document Number	00D373/449
Book / Page	D373 / 449
Map Reference	MB 19 PG 188
Instrument Date	Oct 20, 2016
Instrument	170897
Transaction Type	Transfer
Record Updated	Dec 20, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	218 WINDERMERE DR, MIDDLESBORO, KY 40965-9437

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3065 OAK CT, LOGANVILLE, GA 30052-4254

Tax Assessment & Valuation

The 2025 property tax bill for 218 Windermere Dr was $2,029.

Source: Bell County assessment roll, as of December 16, 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	$2,029.00	$225,000 Land $225,000	$225,000 Land $225,000
2023	$1,989.00	$170,000	$170,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 218 Windermere Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2016.

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
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

Wildfire risk around 218 Windermere Dr is moderate, ranking above 69% 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	Moderate above 69% of the US · above 82% of Kentucky
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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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