230 Windermere Dr, Middlesboro, KY 40965 Property Records

Bell County property record for 230 Windermere Dr, Middlesboro, KY 40965

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,099 sqft · built 2007
Owner	Individual Name on File
Last Sale	$250,000 (May 2025)
Tax Bill	$2,650 (2025)
Deeds & Mortgages	Dec 2017 Mortgage Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`068-10-00-105.41`

Property Details

APN / Parcel Number

Primary APN	`068-10-00-105.41`
Alternative APNs	`61096` `9785`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,099 sqft Living Area

Exterior

Year Built	Built 2007
Exterior Material	Vinyl
Foundation Type	Brick
Roof Material	Composition Shingle
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	61096
Street Address	230 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 620 & PART 621 WINDERMERE PHASE
Legal Phase	2
Legal Lot Number	620
Jurisdiction	BELL KY
Township / Civil Division	MIDDLESBOROUGH
Census Block Group	1
Census Block	1013
Census Tract	960800

Owner

230 Windermere Dr is owned by an individual who bought it in May 2025.

Source: Bell County records, as of December 15, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	8 ABBEY LN, MIDDLESBORO, KY 40965-9426
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2017	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Aug 1, 2022	Deed, Transfer · Conventional Mortgage HEARTHSIDE BANK CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 9, 2025 · Amount on File
Deed Sale	May 9, 2025 · Amount on File
Prior Sale	Aug 1, 2022 · Amount on File
Deed Document Number	247644
Deed Book / Page	D410 / 415
Record Updated	Jun 8, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL KY
Property Address	230 WINDERMERE DR, MIDDLESBORO, KY 40965-9437
Transaction Type	Mortgage
Record Updated	Feb 6, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00M347/584
Date	Dec 28, 2017
Book Page	M347/584
Instrument	173892

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	BELL KY
Recording Date	Aug 1, 2022
Property Address	230 WINDERMERE DR, MIDDLESBORO, KY 40965-9437
Document Number	00D397/495
Book / Page	D397 / 495
Map Reference	MB 1 PG 19A SL 35
Instrument Date	Jul 29, 2022
Instrument	192625
Transaction Type	Transfer
Record Updated	Feb 6, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$222.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	230 WINDERMERE DR, MIDDLESBORO, KY 40965-9437

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	230 WINDERMERE DR, MIDDLESBORO, KY 40965-9437

Mortgage

Document Number	0000192626
Date	Aug 1, 2022
Instrument	192626

Lender

Name	HEARTHSIDE BANK CORP
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 230 Windermere Dr was $2,650.

Source: Bell County assessment roll, as of October 15, 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	$2,650.00	$250,000 Land $250,000	$250,000 Land $250,000
2023	$2,597.00	$222,000	$222,000

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

Flood

FEMA maps place 230 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 230 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.

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