Bell County property record for 224 Windermere Dr, Middlesboro, KY 40965
| Property Type | Single Family Home |
|---|---|
| Details | 2,344 sqft · built 2004 |
| Owner | Company Name on File |
| Tax Bill | $2,328 (2025) |
| Deeds & Mortgages | Apr 2012 Mortgage Feb 2024 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 068-10-00-105.33 |
| Primary APN | 068-10-00-105.33 |
|---|---|
| Alternative APNs |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,344 sqft Living Area |
| Year Built | Built 2004 |
|---|---|
| Exterior Material | Brick Veneer |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Terrain | Rolling |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 59081 |
|---|---|
| Street Address | 224 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 612 WINDERMERE PHASE II |
| Legal Phase | 2 |
| Legal Lot Number | 612 |
| Jurisdiction | BELL KY |
| Township / Civil Division | MIDDLESBOROUGH |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 960800 |
224 Windermere Dr is owned by a company that acquired it in February 2024 and is owner-occupied.
Source: Bell County records, as of December 15, 2025
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 224 WINDERMERE DR, MIDDLESBORO, KY 40965-9437 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
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 |
|---|---|
| Apr 27, 2012 | Deed of Trust, Mortgage HOME FEDERAL BANK CORP |
| Feb 26, 2024 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 20, 2024 |
| Deed Sale | Feb 20, 2024 |
| Deed Document Number | 0000405409 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BELL KY |
| Property Address | 224 WINDERMERE DR, MIDDLESBORO, KY 40965-9437 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000M306/1 |
|---|---|
| Date | Apr 27, 2012 |
| Book Page | M306/1 |
| Name | HOME FEDERAL BANK CORP |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 181 Months |
| Due | May 1, 2027 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BELL KY |
| Recording Date | Feb 26, 2024 |
| Property Address | 224 WINDERMERE DR, MIDDLESBORO, KY 40965-9437 |
| Document Number | 00D405/409 |
| Book / Page | D405 / 409 |
| Instrument Date | Feb 20, 2024 |
| Instrument | 200306 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 224 WINDERMERE DR, MIDDLESBORO, KY 40965-9437 |
| Name | Verified Name |
|---|---|
| Address | 224 WINDERMERE DR, MIDDLESBORO, KY 40965-9437 |
The 2025 property tax bill for 224 Windermere Dr was $2,328.
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 | $2,328.00 | $195,000 Land $195,000 | $195,000 Land $195,000 |
| 2023 | $2,281.00 | $195,000 | $195,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 224 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 risk around 224 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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