Bell County property record for 415 S 20th St, Middlesboro, KY 40965
| Property Type | Single Family Home |
|---|---|
| Details | 1,252 sqft · built 1963 |
| Lot Size | 0.114 acres (5,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $33,000 (Sep 2024) |
| Tax Bill | $518 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Sep 2024 Sale |
| Flood Zone | Zone AE (high risk) |
| APN | 069-44-16-004.00 |
| Primary APN | 069-44-16-004.00 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,252 sqft Living Area |
| Year Built | Built 1963 |
|---|---|
| Exterior Material | Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 5,000 sqft (0.114 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| View / Lot | Flood Plain/Flood Zone |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 61895 |
|---|---|
| Street Address | 415 S 20TH ST |
| City | MIDDLESBORO |
| State | KY |
| Zip | 40965-1259 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIAL |
| Legal Description | SE 311 (LOT 7; PART 6 & 8) INCLUDES 069-44-16-003.00 |
| Legal Lot Number | 7 |
| Jurisdiction | BELL KY |
| Township / Civil Division | MIDDLESBOROUGH |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 960600 |
415 S 20th St is owned by an individual who bought it in September 2024.
Source: Bell County records, as of December 15, 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 | Individual Name on File |
|---|---|
| Mailing Address | 211 OAKWOOD RD, MIDDLESBORO, KY 40965-1768 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 31, 2025 | Deed of Trust, Mortgage · Conventional Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Sep 9, 2024 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 9, 2024 · Amount on File |
| Deed Sale | Sep 9, 2024 · Amount on File |
| Deed Document Number | 0000407827 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BELL KY |
| Property Address | 415 S 20TH ST, MIDDLESBORO, KY 40965-1259 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|---|
| Address | 211 OAKWOOD RD, MIDDLESBORO, KY 40965-1768 |
| Document Number | 00M403/347 |
|---|---|
| Date | Oct 31, 2025 |
| Book Page | M403/347 |
| Instrument | 290808 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ANAHEIM, CA 92806 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BELL KY |
| Recording Date | Sep 9, 2024 |
| Property Address | 415 S 20TH ST, MIDDLESBORO, KY 40965-1259 |
| Document Number | 00D407/827 |
| Book / Page | D407 / 827 |
| Instrument Date | Sep 9, 2024 |
| Instrument | 244212 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $33.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 415 S 20TH ST, MIDDLESBORO, KY 40965-1259 |
| Name | Verified Name |
|---|---|
| Address | 211 OAKWOOD RD, MIDDLESBORO, KY 40965-1768 |
The 2025 property tax bill for 415 S 20th St was $518.
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 | $518.00 | $33,000 Land $33,000 | $33,000 Land $33,000 |
| 2023 | Homeowner's exemption | $45,000 | $45,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 415 S 20th 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 |
|
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 415 S 20th St is moderate, ranking above 53% 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 53% of the US · above 76% 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 157 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures