409 S 26th St, Middlesboro, KY 40965 Property Records

Bell County property record for 409 S 26th St, Middlesboro, KY 40965

Property Summary

Property Type	Single Family Home
Details	1,000 sqft · built 1940
Owner	2 Individual Names on File
Last Sale	$85,000 (Sep 2024)
Tax Bill	$911 (2025)
Deeds & Mortgages	Jul 2018 Mortgage Jun 2018 Transfer
Flood Zone	Zone AE (high risk)
APN	`069-42-13-013.00`

Property Details

APN / Parcel Number

Primary APN	`069-42-13-013.00`
Alternative APNs	`12363` `60162`

Interior

Stories	1 Story
Building Area	1,000 sqft Living Area

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Garage Type	Attached
Garage Area	480 sqft
Driveway	Gravel Driveway
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	60162
Street Address	409 S 26TH ST
City	MIDDLESBORO
State	KY
Zip	40965-1452
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	SE 305 (PART LOTS 1-2)
Legal Subdivision	SECTION SOUTHEAST MIDDLESBORO
Legal Lot Number	1-2
Jurisdiction	BELL KY
Township / Civil Division	MIDDLESBOROUGH
Census Block Group	2
Census Block	2031
Census Tract	960600

Owner

409 S 26th St is owned and occupied by two individuals who bought it in September 2024.

Source: Bell County records, as of December 16, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	409 S 26TH ST, MIDDLESBORO, KY 40965-1452
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Jun 15, 2018	Quit Claim Deed, Transfer KENTUCKY LAND TITLE, KENTUCKY MTN LAND TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 24, 2024 · Amount on File
Deed Sale	Sep 24, 2024 · Amount on File
Prior Sale	Sep 5, 2024 · Amount on File
Deed Document Number	2024244376
Deed Book / Page	408 / 183
Prior Transfer Date	Jul 14, 2018
Prior Transfer Doc	00D379/130
Record Updated	Jun 8, 2026

July 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BELL KY
Recording Date	Jul 30, 2018
Property Address	409 S 26TH ST, MIDDLESBORO, KY 40965-1452
Document Number	00D379/130
Book / Page	D379 / 130
Instrument Date	Jul 14, 2018
Instrument	176084
Transaction Type	Transfer
Record Updated	Mar 7, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 S 26TH ST, MIDDLESBORO, KY 40965-1452

Mortgage

Document Number	0000176085
Date	Jul 30, 2018
Instrument	176085

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2033

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BELL KY
Recording Date	Jun 15, 2018
Property Address	409 S 26TH ST, MIDDLESBORO, KY 40965-1452
Document Number	00D378/524
Book / Page	D378 / 524
Instrument Date	Jun 15, 2018
Instrument	175568
Transaction Type	Transfer
Record Updated	Mar 7, 2023
Title Company	KENTUCKY LAND TITLE, KENTUCKY MTN LAND TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 S 26TH ST, MIDDLESBORO, KY 40965-1452

Tax Assessment & Valuation

The 2025 property tax bill for 409 S 26th St was $911.

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	$911.00	$85,000 Land $85,000	$85,000 Land $85,000
2023	$502.00	$48,000	$48,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 409 S 26th 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 409 S 26th 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 64% 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 373 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

May also be available: T-Mobile.

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