425 E Lothbury Ave, Middlesboro, KY 40965 Property Records

Bell County property record for 425 E Lothbury Ave, Middlesboro, KY 40965

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,400 sqft · built 1972
Lot Size	0.257 acres (11,195 sqft)
Owner	Individual Name on File
Last Sale	$98,580 (Jul 2020)
Tax Bill	$1,055 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`082-20-00-041.00`

Property Details

APN / Parcel Number

Primary APN	`082-20-00-041.00`
Alternative APNs	`3547` `5582`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,400 sqft Living Area

Exterior

Year Built	Built 1972
Architectural Style	A-Frame
Construction Type	Frame
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	11,195 sqft (0.257 acres)
Lot Dimensions	140 ft deep x 80 ft wide

Utilities, Heating & Cooling

Heating System	Electric

Location & Zoning

Account Number	5582
Street Address	425 E LOTHBURY AVE
City	MIDDLESBORO
State	KY
Zip	40965-1625
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NE 114 (LOT & HOUSE)
Jurisdiction	BELL KY
Township / Civil Division	MIDDLESBOROUGH
Census Block Group	2
Census Block	2017
Census Tract	960700

Owner

425 E Lothbury Ave is owned and occupied by an individual who bought it in July 2020.

Source: Bell County records, as of December 15, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	425 E LOTHBURY AVE, MIDDLESBORO, KY 40965-1625
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2020 · Amount on File
Deed Sale	Jul 14, 2020 · Amount on File
Deed Document Number	183353
Deed Book / Page	D387 / 654
Record Updated	Jun 8, 2026

July 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	BELL KY
Recording Date	Jul 14, 2020
Property Address	425 E LOTHBURY AVE, MIDDLESBORO, KY 40965-1625
Document Number	00D387/654
Book / Page	D387 / 654
Instrument Date	Jul 13, 2020
Instrument	183353
Transaction Type	Transfer
Record Updated	Apr 4, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$99.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9835 W STATE ROAD 120, 9835, ORLAND, IN 46776-9628

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	425 E LOTHBURY AVE, MIDDLESBORO, KY 40965-1625

Mortgage

Document Number	0000183354
Date	Jul 14, 2020
Instrument	183354

Lender

Name	TOP FLITE FINANCIAL INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 425 E Lothbury Ave was $1,055.

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	$1,055.00	$98,500 Land $98,500	$98,500 Land $98,500
2023	$1,031.00	$98,500	$98,500

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

Flood

FEMA maps place 425 E Lothbury Ave 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
Nearby Flood Policies	2 in force
Nearby Flood Claims	9 (1981–2011)
Claims Outside the SFHA	3 of 9
Most Recent Claim	Jun 2011 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2011 · 3 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 425 E Lothbury Ave is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach

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 152 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

May also be available: AT&T, T-Mobile.

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