Bell County property record for 415 S 37th St, Middlesboro, KY 40965
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,722 sqft · built 1930 |
| Owner | 2 Individual Names on Record |
| Last Sale | $119,250 (Aug 2020) |
| Tax Bill | $1,277 (2025) |
| Deeds & Mortgages | Jun 2022 Mortgage Aug 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 058-33-00-089.00 |
| Primary APN | 058-33-00-089.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,722 sqft Living Area |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Terrain | Rolling |
| Driveway | Gravel Driveway |
| Porch | Slab |
| Cooling System | None |
|---|---|
| Heating Fuel | Coal |
| Sewer | Connected |
| Account Number | 5170 |
|---|---|
| Street Address | 415 S 37TH ST |
| City | MIDDLESBORO |
| State | KY |
| Zip | 40965-2413 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SW A (PROPERTY & HOUSE & GARAGE) |
| Jurisdiction | BELL KY |
| Township / Civil Division | MIDDLESBOROUGH |
| Census Block Group | 4 |
| Census Block | 4014 |
| Census Tract | 960600 |
Source: Bell County records, as of March 20, 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 | 500 S 37TH ST, MIDDLESBORO, KY 40965 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 9, 2022 | Deed of Trust, Mortgage · Conventional Mortgage HEARTHSIDE BANK CORP |
| Aug 31, 2020 | Deed, Transfer · Conventional Mortgage TOP FLITE FINANCIAL INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 31, 2020 · Amount on Record |
| Deed Sale | Aug 31, 2020 · Amount on Record |
| Prior Sale | Aug 28, 2020 · Amount on Record |
| Deed Document Number | 2020183942 |
| Deed Book / Page | 388 |
| Prior Transfer Date | Apr 8, 2015 |
| Prior Transfer Doc | 00D365/616 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BELL KY |
| Property Address | 415 S 37TH ST, MIDDLESBORO, KY 40965-2413 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2023 |
| Name | Verified Name |
|---|
| Document Number | 00M381/806 |
|---|---|
| Date | Jun 9, 2022 |
| Book Page | M381/806 |
| Instrument | 191957 |
| Name | HEARTHSIDE BANK CORP |
|---|---|
| Type | Bank |
| Address | MIDDLESBORO, KY 40965 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 1, 2037 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BELL KY |
| Recording Date | Aug 31, 2020 |
| Property Address | 415 S 37TH ST, MIDDLESBORO, KY 40965-2413 |
| Document Number | 00D388/388 |
| Book / Page | D388 / 388 |
| Instrument Date | Aug 28, 2020 |
| Instrument | 183942 |
| Transaction Type | Transfer |
| Record Updated | Mar 7, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $119.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 500 S 35TH ST, MIDDLESBORO, KY 40965-2404 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 500 S 37TH ST, MIDDLESBORO, KY 40965 |
| Document Number | 00M366/295 |
|---|---|
| Date | Aug 31, 2020 |
| Book Page | M366/295 |
| Instrument | 183943 |
| Name | TOP FLITE FINANCIAL INC |
|---|---|
| Type | Mortgage Company |
| Address | WILLIAMSTON, MI 48895 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2050 |
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 | $1,277.00 (+2.32%) | $119,200 (-) Land $119,200 | $119,200 (-) Land $119,200 |
| 2023 | $1,248.00 | $119,200 | $119,200 |
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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