411 S 23rd St, Middlesboro, KY 40965 Property Records

Bell County property record for 411 S 23rd St, Middlesboro, KY 40965

Property Summary

Property Type	Single Family Home
Details	1,500 sqft · built 2006
Owner	Individual Name on File
Last Sale	$86,500 (Feb 2022)
Tax Bill	$927 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Nov 2021 Foreclosure
Flood Zone	Zone AE (high risk)
APN	`069-44-19-013.00`

Property Details

APN / Parcel Number

Primary APN	`069-44-19-013.00`
Alternative APNs	`15654` `6012`

Interior

Stories	1 Story
Building Area	1,500 sqft Living Area

Exterior

Year Built	Built 2006
Exterior Material	Vinyl
Foundation Type	Block
Roof Material	Composition Shingle

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	6012
Street Address	411 S 23RD ST
City	MIDDLESBORO
State	KY
Zip	40965-1335
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SE 308 (PART OF LOTS 15 & 16)
Legal Lot Number	15-16
Jurisdiction	BELL KY
Township / Civil Division	MIDDLESBOROUGH
Census Block Group	2
Census Block	2019
Census Tract	960600

Owner

Source: Bell County assessment roll, as of October 15, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	411 S 23RD ST, MIDDLESBORO, KY 40965-1335
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2022	Special Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
Nov 1, 2021	Commissioner's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 24, 2022 · Amount on Record
Deed Sale	Feb 24, 2022 · Amount on Record
Prior Sale	Nov 1, 2021 · Amount on Record
Deed Document Number	190401
Deed Book / Page	D395 / 259
Record Updated	Jun 8, 2026

February 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BELL KY
Recording Date	Feb 24, 2022
Property Address	411 S 23RD ST, MIDDLESBORO, KY 40965-1335
Document Number	00D395/259
Book / Page	D395 / 259
Instrument Date	Feb 18, 2022
Instrument	190401
Transaction Type	Transfer
Record Updated	Dec 20, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$86.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 9800, MARYVILLE, TN 37802-9800

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	411 S 23RD ST, MIDDLESBORO, KY 40965-1335

Mortgage

Document Number	0000190402
Date	Feb 24, 2022
Instrument	190402

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

November 2021: Commissioner's Deed, Foreclosure

Document Type	Commissioner's Deed
Jurisdiction	BELL KY
Recording Date	Nov 1, 2021
Property Address	411 S 23RD ST, MIDDLESBORO, KY 40965-1335
Document Number	00D393/659
Book / Page	D393 / 659
Instrument Date	Oct 10, 2021
Instrument	189031
Transaction Type	Foreclosure
Record Updated	Dec 20, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 9800, MARYVILLE, TN 37802-9800
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Bell County assessment roll, as of October 15, 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	$927.00 (+2.43%)	$86,500 (-) Land $86,500	$86,500 (-) Land $86,500
2023	$905.00	$86,500	$86,500

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

Flood

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 Record 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

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	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 USA.

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