Bell County property record for 3991 Hwy 441, Middlesboro, KY 40965
| Property Type | Mixed Use Commercial Office / Residential |
|---|---|
| Details | 1,560 sqft · built 1975 |
| Owner | 2 Individual Names on File |
| Tax Bill | $418 (2023) |
| Deeds & Mortgages | May 2023 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 057-10-03-009.00 |
| Primary APN | 057-10-03-009.00 |
|---|---|
| Alternative APNs |
|
| Building Area | 1,560 sqft Total Area |
|---|
| Year Built | Built 1975 |
|---|---|
| Exterior Material | Stucco |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 4529 |
|---|---|
| Street Address | 3991 HIGHWAY 441 |
| City | MIDDLESBORO |
| State | KY |
| Zip | 40965-8698 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Mixed Use Commercial Office / Residential |
| Legal Description | NW NT7 |
| Jurisdiction | BELL KY |
| Township / Civil Division | MIDDLESBOROUGH |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 960800 |
3991 Hwy 441, a commercial property, is owned and occupied by two individuals who acquired it in April 1988.
Source: Bell County records, as of December 15, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3991 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 | 2 Names on Deed |
|---|---|
| Last Sale | Apr 1, 1988 |
| Deed Sale | Apr 1, 1988 |
| Deed Document Number | 0000254354 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BELL KY |
| Property Address | 3991 HIGHWAY 441, MIDDLESBORO, KY 40965-8698 |
| Transaction Type | Mortgage |
| Record Updated | May 31, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3991 HIGHWAY 441, MIDDLESBORO, KY 40965-8698 |
| Document Number | 00M387/284 |
|---|---|
| Date | May 12, 2023 |
| Book Page | M387/284 |
| Instrument | 196590 |
| Name | COMMERCIAL BANK |
|---|---|
| Type | Bank |
| Address | HARROGATE, TN 37752 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Bell County assessment roll, as of October 15, 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 | Homeowner's exemption | $49,100 Land $49,100 | $49,100 Land $49,100 |
| 2023 | $418.00 | $40,000 | $40,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3991 Hwy 441 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 |
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 20 (1991–2026) |
| Claims Outside the SFHA | 7 of 20 |
| Most Recent Claim | Apr 2026 · river or lake flooding |
| Claims by Event |
|
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 3991 Hwy 441 is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 52% of the US · above 76% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.1% 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 159 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 |
May also be available: Verizon.
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