Bell County property record for 3940 Hwy 441, Middlesboro, KY 40965
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,034 sqft · built 1968 |
| Owner | Individual Name on File |
| Tax Bill | $300 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 057-10-00-174.00 |
| Primary APN | 057-10-00-174.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,034 sqft Living Area |
| Basement Area | 945 sqft |
| Finished Basement | 945 sqft |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | A-Frame |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 432 sqft |
| Driveway | Gravel Driveway |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Heating Fuel | Coal |
|---|
| Account Number | 9970 |
|---|---|
| Street Address | 3940 HIGHWAY 441 |
| City | MIDDLESBORO |
| State | KY |
| Zip | 40965-8698 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NW NB13 (2 TRACTS & HOUSE) |
| Jurisdiction | BELL KY |
| Township / Civil Division | MIDDLESBOROUGH |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 960800 |
3940 Hwy 441 is owned and occupied by an individual who acquired it in July 2015.
Source: Bell County records, as of December 16, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3940 HIGHWAY 441, MIDDLESBORO, KY 40965-8698 |
| Occupancy | Owner Occupied |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jul 27, 2015 |
| Transfer Doc | 00D366/562 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 3940 Hwy 441 was $300.
Source: Bell County assessment roll, as of December 16, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Bell County |
| Municipality | Middlesborough City |
| Unified School District | Middlesboro Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $300.00 | $28,000 Land $28,000 | $28,000 Land $28,000 |
| 2023 | $293.00 | $28,000 | $28,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3940 Hwy 441 in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
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 3940 Hwy 441 is moderate, ranking above 61% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 61% of the US · above 79% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
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 113 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Eastern Telephone & Technologies Fixed Wireless | 300 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
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