308 S 20th St, Middlesboro, KY 40965 Property Records

Bell County property record for 308 S 20th St, Middlesboro, KY 40965

Property Summary

Property Type	Single Family Home
Details	864 sqft · built 1995
Lot Size	0.173 acres (7,500 sqft)
Owner	Individual Name on File
Last Sale	$121,000 (May 2026)
Tax Bill	$334 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`069-44-14-007.00`

Property Details

APN / Parcel Number

Primary APN	`069-44-14-007.00`
Alternative APNs	`16442` `12645`

Interior

Stories	1 Story
Building Area	864 sqft Living Area

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,500 sqft (0.173 acres)
Lot Dimensions	100 ft deep x 75 ft wide
Driveway	Asphalt Driveway
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	12645
Street Address	308 S 20TH ST
City	MIDDLESBORO
State	KY
Zip	40965-1216
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SE 210 ( LOTS 27-29)
Legal Subdivision	CITY OF MIDDLESBORO
Legal Lot Number	27-29
Jurisdiction	BELL KY
Township / Civil Division	MIDDLESBOROUGH
Census Block Group	2
Census Block	2013
Census Tract	960600

Owner

308 S 20th St is owned by an individual who bought it in May 2026.

Source: Bell County records, as of May 21, 2026

Owner of Record	Individual Name on File
Mailing Address	2957 FORGE RIDGE RD, HARROGATE, TN 37752-5437
Owner Type	Individual
Vesting	Married

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 8, 2026 · Amount on File
Deed Sale	May 8, 2026 · Amount on File
Deed Document Number	2026293842
Deed Book / Page	414 / 723
Prior Transfer Date	May 10, 2016
Prior Transfer Doc	00D369/710
Record Updated	Sep 20, 2026

May 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BELL KY
Recording Date	May 8, 2026
Property Address	308 S 20TH ST, MIDDLESBORO, KY 40965-1216
Document Number	0000293842
Book / Page	414 / 723
Instrument Date	May 5, 2026
Instrument	2026.293842
Transaction Type	Transfer
Record Updated	May 22, 2026
Title Company	NATIONALLINK

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$12,221.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2957 FORGE RIDGE RD, HARROGATE, TN 37752-5437
Investor	Possibly a Property Investor

Mortgage

Document Number	0000293847,
Date	May 8, 2026
Instrument	2026.293847

Lender

Name	P N C BANK NA

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.38%
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 308 S 20th St was $334.

Source: Bell County assessment roll, as of December 16, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Bell County
Municipality	Middlesborough City
Unified School District	Middlesboro Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$334.00	$31,200 Land $31,200	$31,200 Land $31,200
2023	$326.00	$31,200	$31,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 308 S 20th St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective January 28, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 32 policies
Nearby Flood Policies	32 in force
Nearby Flood Claims	24 (1982–2021)
Claims Outside the SFHA	2 of 24
Most Recent Claim	Mar 2021 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2011 · 18 claims

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 308 S 20th St is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · above 67% of Kentucky
Wildfire Likelihood	0.04% 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 342 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Eastern Telephone & Technologies Fixed Wireless	300 / 100
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20