221 Windermere Dr, Middlesboro, KY 40965 Property Records

Bell County property record for 221 Windermere Dr, Middlesboro, KY 40965

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,070 sqft · built 2007
Owner	Individual Name on Record
Last Sale	$211,600 (Jul 2007)
Tax Bill	$2,526 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Apr 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`068-10-00-105.52`

Property Details

APN / Parcel Number

Primary APN	`068-10-00-105.52`
Alternative APNs	`3611` `8957`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	4,070 sqft Living Area
Basement Area	1,628 sqft
Finished Basement	1,628 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Terrain	Rolling
Garage Area	420 sqft
Driveway	Driveway
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	8957
Street Address	221 WINDERMERE DR
City	MIDDLESBORO
State	KY
Zip	40965-9437
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	# 651 WINDERMERE PHASE II
Legal Subdivision	WINDEREMER PHASE II
Legal Phase	2
Jurisdiction	BELL KY
Township / Civil Division	MIDDLESBOROUGH
Census Block Group	1
Census Block	1014
Census Tract	960800

Owner

Source: Bell County records, as of February 18, 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	221 WINDERMERE DR, MIDDLESBORO, KY 40965-9437
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2021	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
Apr 18, 2022	Deed of Trust, Mortgage · FHA Mortgage COMMUNITY LOAN SERVICING LLC
Feb 5, 2019	Deed of Trust, Mortgage · FHA Mortgage FIRST INTERNET BANK OF INDIANA
Feb 21, 2018	Intrafamily Transfer, Transfer
Feb 21, 2018

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2007 · Amount on Record
Deed Sale	Jul 20, 2007 · Amount on Record
Deed Book / Page	337 / 523
Last Transfer Date	Feb 17, 2018
Transfer Doc	00D377/358
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL KY
Property Address	221 WINDERMERE DR, MIDDLESBORO, KY 40965-9437
Transaction Type	Mortgage
Record Updated	Mar 7, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 WINDERMERE DR, MIDDLESBORO, KY 40965-9437

Mortgage

Document Number	00M377/440
Date	Nov 24, 2021
Book Page	M377/440
Instrument	189315

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	327 Months
Due	Feb 1, 2049

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL KY
Property Address	221 WINDERMERE DR, MIDDLESBORO, KY 40965-9437
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 WINDERMERE DR, MIDDLESBORO, KY 40965-9437

Mortgage

Document Number	00M380/601
Date	Apr 18, 2022
Book Page	M380/601
Instrument	191087

Lender

Name	COMMUNITY LOAN SERVICING LLC
Type	Mortgage Company
Address	DENVER, CO 80249

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	322 Months
Due	Feb 1, 2049

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL KY
Property Address	221 WINDERMERE DR, MIDDLESBORO, KY 40965-9437
Transaction Type	Mortgage
Record Updated	Mar 7, 2023
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SYNRGO INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000M355/82
Date	Feb 5, 2019
Book Page	M355/82
Instrument	178154

Lender

Name	FIRST INTERNET BANK OF INDIANA
Type	Bank
Address	FISHERS, IN 46037

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2049

February 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BELL KY
Recording Date	Feb 21, 2018
Property Address	221 WINDERMERE DR, MIDDLESBORO, KY 40965-9437
Document Number	00D377/358
Book / Page	D377 / 358
Instrument Date	Feb 17, 2018
Instrument	174394
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	350 CHAPPELL DR, JONESVILLE, VA 24263-0020

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 WINDERMERE DR, MIDDLESBORO, KY 40965-9437

February 2018:

Jurisdiction	BELL KY
Recording Date	Feb 21, 2018
Property Address	221 WINDERMERE DR, MIDDLESBORO, KY 40965-9437
Document Number	00D377/361
Book / Page	D377 / 361
Instrument Date	Feb 17, 2018
Instrument	174395
Record Updated	Mar 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name
Address	350 CHAPPELL DR, JONESVILLE, VA 24263-0020

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 WINDERMERE DR, MIDDLESBORO, KY 40965-9437

Tax Assessment & Valuation

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	$2,526.00 (+2.06%)	$211,600 (-) Land $211,600	$211,600 (-) Land $211,600
2023	$2,475.00	$211,600	$211,600

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
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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