227 Windermere Dr, Middlesboro, KY 40965 Property Records

Bell County property record for 227 Windermere Dr, Middlesboro, KY 40965

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,764 sqft · built 2002
Owner	2 Individual Names on Record
Last Sale	$275,000 (Sep 2022)
Tax Bill	$2,697 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Oct 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`068-10-00-105.49`

Property Details

APN / Parcel Number

Primary APN	`068-10-00-105.49`
Alternative APNs	`1653` `6690`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,764 sqft Living Area
Basement Area	992 sqft
Finished Basement	992 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Terrain	Rolling
Garage Type	Attached
Garage Area	484 sqft
Driveway	Concrete Driveway
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	6690
Street Address	227 WINDERMERE DR
City	MIDDLESBORO
State	KY
Zip	40965-9437
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 654 WINDERMERE PHASE II
Legal Subdivision	WINDERMERE PHASE II SUBDIVISION
Legal Phase	2
Legal Lot Number	654
Jurisdiction	BELL KY
Township / Civil Division	MIDDLESBOROUGH
Census Block Group	1
Census Block	1014
Census Tract	960800

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	227 WINDERMERE DR, MIDDLESBORO, KY 40965-9437
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2022	Deed, Transfer · VA Mortgage HEARTHSIDE BANK CORP
Oct 19, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2022 · Amount on Record
Deed Sale	Sep 28, 2022 · Amount on Record
Prior Sale	Jun 16, 2022 · Amount on Record
Deed Document Number	2022193494
Deed Book / Page	398 / 364
Prior Transfer Date	Sep 13, 2021
Prior Transfer Doc	00D393/458
Record Updated	Jun 8, 2026

September 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	BELL KY
Recording Date	Sep 28, 2022
Property Address	227 WINDERMERE DR, MIDDLESBORO, KY 40965-9437
Document Number	00D398/364
Book / Page	D398 / 364
Instrument Date	Sep 23, 2022
Instrument	193494
Transaction Type	Transfer
Record Updated	Feb 6, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$275.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1009 W CHESTER AVE, MIDDLESBORO, KY 40965-1513

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	227 WINDERMERE DR, MIDDLESBORO, KY 40965-9437

Mortgage

Document Number	0000193495
Date	Sep 28, 2022
Instrument	193495

Lender

Name	HEARTHSIDE BANK CORP
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BELL KY
Recording Date	Oct 19, 2021
Property Address	227 WINDERMERE DR, MIDDLESBORO, KY 40965-9437
Document Number	00D393/458
Book / Page	D393 / 458
Instrument Date	Sep 13, 2021
Instrument	188782
Transaction Type	Transfer
Record Updated	Feb 6, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7 ENNISMORE DR, MIDDLESBORO, KY 40965-9434

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	151 NOLA LN, LONDON, KY 40744-6929

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	$2,697.00 (-16.16%) Homeowner's exemption	$275,000 (-) Land $275,000	$275,000 (-) Land $275,000
2023	$3,217.00	$275,000	$275,000

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

Nearby Properties on Windermere Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures