Bell County property record for 409 Meadow Ln, Middlesboro, KY 40965
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,120 sqft · built 1988 |
| Owner | 2 Individual Names on Record |
| Last Sale | $168,000 (Apr 2026) |
| Tax Bill | $1,575 (2025) |
| Deeds & Mortgages | Jan 2012 Mortgage Apr 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 070-11-00-013.00 |
| Primary APN | 070-11-00-013.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,120 sqft Living Area |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Brick Veneer |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Depth | 125 ft Depth |
| Garage Type | Attached |
| Garage Area | 336 sqft |
| Driveway | Asphalt Driveway |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 59583 |
|---|---|
| Street Address | 409 MEADOW LN |
| City | MIDDLESBORO |
| State | KY |
| Zip | 40965-2431 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIA |
| Legal Description | SW 307 (LOT 2) |
| Legal Lot Number | 2 |
| Jurisdiction | BELL KY |
| Township / Civil Division | MIDDLESBOROUGH |
| Census Block Group | 4 |
| Census Block | 4014 |
| Census Tract | 960600 |
Source: Bell County records, as of May 5, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 132 CENTER LN, NEW TAZEWELL, TN 37825-2625 |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Jan 18, 2012 | Deed of Trust, Mortgage HOME FEDERAL BANK |
| Apr 24, 2026 | Deed, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORPORATION |
| Sep 18, 2017 | Warranty Deed, Transfer · FHA Mortgage PEOPLES HOME EQUITY INC |
| Aug 14, 2009 | Deed, Transfer HOME FEDERAL BANK CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 24, 2026 · Amount on Record |
| Deed Sale | Apr 24, 2026 · Amount on Record |
| Prior Sale | Mar 20, 2024 · Amount on Record |
| Deed Document Number | 2026293668 |
| Deed Book / Page | 414 / 576 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BELL KY |
| Property Address | 409 MEADOW LN, MIDDLESBORO, KY 40965-2431 |
| Transaction Type | Mortgage |
| Record Updated | Jun 5, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00M304/262 |
|---|---|
| Date | Jan 18, 2012 |
| Book Page | M304/262 |
| Instrument | 145403 |
| Name | HOME FEDERAL BANK |
|---|---|
| Address | MIDDLESBORO, KY 40965 |
| Amount | Amount Recorded |
|---|---|
| Term | 120 Months |
| Due | Jan 1, 2022 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BELL KY |
| Recording Date | Apr 24, 2026 |
| Property Address | 409 MEADOW LN, MIDDLESBORO, KY 40965-2431 |
| Document Number | 0000293668 |
| Book / Page | 414 / 576 |
| Instrument Date | Apr 23, 2026 |
| Instrument | 2026.293668 |
| Transaction Type | Transfer |
| Record Updated | May 6, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLUTI |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $16,968.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 132 CENTER LN, NEW TAZEWELL, TN 37825-2625 |
| Document Number | 0000293669, |
|---|---|
| Date | Apr 24, 2026 |
| Instrument | 2026.293669 |
| Name | AMERICAN PACIFIC MORTGAGE CORPORATION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BELL KY |
| Recording Date | Sep 18, 2017 |
| Property Address | 409 MEADOW LN, MIDDLESBORO, KY 40965-2431 |
| Document Number | 00D375/593 |
| Book / Page | D375 / 593 |
| Map Reference | MB 2 |
| Instrument Date | Aug 31, 2017 |
| Instrument | 172831 |
| Transaction Type | Transfer |
| Record Updated | Dec 20, 2022 |
| Title Company | ACUTE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $93.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 409 MEADOW LN, MIDDLESBORO, KY 40965-2431 |
| Name | Verified Name |
|---|---|
| Address | 409 MEADOW LN, MIDDLESBORO, KY 40965-2431 |
| Document Number | 0000172832 |
|---|---|
| Date | Sep 18, 2017 |
| Instrument | 172832 |
| Name | PEOPLES HOME EQUITY INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2047 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BELL KY |
| Recording Date | Aug 14, 2009 |
| Property Address | 409 MEADOW LN, MIDDLESBORO, KY 40965-2431 |
| Document Number | 00D346/379 |
| Book / Page | D346 / 379 |
| Instrument Date | Aug 6, 2009 |
| Transaction Type | Transfer |
| Record Updated | May 20, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 00M285/595 |
|---|---|
| Date | Aug 14, 2009 |
| Book Page | M285/595 |
| Name | HOME FEDERAL BANK CORP |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 361 Months |
| Due | Sep 1, 2039 |
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 | $1,575.00 (+61.87%) | $147,000 (+58.06%) Land $147,000 | $147,000 (+58.06%) Land $147,000 |
| 2023 | $973.00 | $93,000 | $93,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 12 (1981–2022) |
| Claims Outside the SFHA | 4 of 12 |
| Most Recent Claim | Jul 2022 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 50% of the US · above 75% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.1% 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 168 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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