Bell County property record for 403 E Lothbury Ave, Middlesboro, KY 40965
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,680 sqft · built 1972 |
| Lot Size | 0.306 acres (13,300 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $142,500 (Aug 2024) |
| Tax Bill | $1,527 (2025) |
| Deeds & Mortgages | Jun 2022 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 082-20-00-043.00 |
| Primary APN | 082-20-00-043.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,680 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Architectural Style | A-Frame |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 13,300 sqft (0.306 acres) |
| Lot Dimensions | 140 ft deep x 95 ft wide |
| Driveway | Asphalt Driveway |
| Porch | Slab |
| Cooling System | Central |
|---|---|
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 60075 |
|---|---|
| Street Address | 403 E LOTHBURY AVE |
| City | MIDDLESBORO |
| State | KY |
| Zip | 40965-1625 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIA |
| Legal Description | NE 114 (LOT & HOUSE) |
| Jurisdiction | BELL KY |
| Township / Civil Division | MIDDLESBOROUGH |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 960500 |
403 E Lothbury Ave is owned by two individuals who bought it in August 2024.
Source: Bell County records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3575 HIGHWAY 441, MIDDLESBORO, KY 40965-8694 |
| 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 | Aug 27, 2024 · Amount on File |
| Deed Sale | Aug 27, 2024 · Amount on File |
| Prior Sale | May 20, 2024 · Amount on File |
| Deed Document Number | 2024202885 |
| Deed Book / Page | 407 / 675 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BELL KY |
| Property Address | 403 E LOTHBURY AVE, MIDDLESBORO, KY 40965-1625 |
| Transaction Type | Mortgage |
| Record Updated | Jul 5, 2022 |
| Title Company | FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 403 E LOTHBURY AVE, MIDDLESBORO, KY 40965-1625 |
| Document Number | 00M381/847 |
|---|---|
| Date | Jun 13, 2022 |
| Book Page | M381/847 |
| Instrument | 192008 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | JACKSONVILLE, FL 32202 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Jun 1, 2062 |
The 2025 property tax bill for 403 E Lothbury Ave was $1,527.
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 | $1,527.00 | $142,500 Land $142,500 | $142,500 Land $142,500 |
| 2023 | $1,245.00 | $119,000 | $119,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 403 E Lothbury Ave 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 43 policies |
| Nearby Flood Policies | 43 in force |
| Nearby Flood Claims | 153 (1980–2021) |
| Claims Outside the SFHA | 18 of 153 |
| Most Recent Claim | Mar 2021 · 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 403 E Lothbury Ave is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within ember reach |
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 152 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 |
May also be available: AT&T, T-Mobile.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures