428 Wilderness Rd, Middlesboro, KY 40965 Property Records

Bell County property record for 428 Wilderness Rd, Middlesboro, KY 40965

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,320 sqft
Lot Size	0.177 acres (7,708 sqft)
Owner	2 Individual Names on Record
Last Sale	$147,000 (Nov 2025)
Tax Bill	$1,382 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Nov 2025 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`082-10-00-031.00`

Property Details

APN / Parcel Number

Primary APN	`082-10-00-031.00`
Alternative APNs	`17296` `12468`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,320 sqft Living Area

Exterior

Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,708 sqft (0.177 acres)
Lot Dimensions	94 ft deep x 82 ft wide
Garage Type	Attached
Garage Area	450 sqft
Driveway	Asphalt Driveway
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	12468
Street Address	428 WILDERNESS RD
City	MIDDLESBORO
State	KY
Zip	40965-1648
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NE 413 (LOTS 10-11-12)
Legal Subdivision	GILES SUBDIVISION
Legal Lot Number	10-11
Jurisdiction	BELL KY
Township / Civil Division	MIDDLESBOROUGH
Census Block Group	2
Census Block	2006
Census Tract	960500

Owner

Source: Bell County records, as of August 31, 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	2989 HIGHWAY 1304, BIMBLE, KY 40915
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2026	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LENDING
Nov 10, 2025	Warranty Deed, Transfer · VA Mortgage MORTGAGE SOLUTIONS OF COLORADO LLC
Jun 20, 2023	Deed, Transfer · USDA Mortgage GENEVA FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 10, 2025 · Amount on Record
Deed Sale	Nov 10, 2025 · Amount on Record
Prior Sale	Jun 20, 2023 · Amount on Record
Deed Document Number	2025291028
Deed Book / Page	412 / 835
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL KY
Recording Date	Aug 20, 2026
Property Address	428 WILDERNESS RD, MIDDLESBORO, KY 40965-1648
Document Number	0000295938
Book / Page	409 / 255
Instrument Date	Jul 15, 2026
Instrument	2026295938
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman, 286
Address	428 WILDERNESS RD, MIDDLESBORO, KY 40965-1648

Mortgage

Document Number	0000295938,
Date	Aug 20, 2026
Book Page	409/255
Instrument	2026295938

Lender

Name	CLEARPATH LENDING

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BELL KY
Recording Date	Nov 10, 2025
Property Address	428 WILDERNESS RD, MIDDLESBORO, KY 40965-1648
Document Number	00D412/835
Book / Page	D412 / 835
Instrument Date	Oct 27, 2025
Instrument	291028
Transaction Type	Transfer
Record Updated	Dec 3, 2025
Title Company	UNKNOWN, KY MOUNTAIN LAND TITLE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$147.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	270 ABBEY RD, VERSAILLES, KY 40383-8063

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2989 KY 1304, BIMBLE, KY 40915-6103

Mortgage

Document Number	0000291031
Date	Nov 10, 2025
Instrument	291031

Lender

Name	MORTGAGE SOLUTIONS OF COLORADO LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2055

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	BELL KY
Recording Date	Jun 20, 2023
Property Address	428 WILDERNESS RD, MIDDLESBORO, KY 40965-1648
Document Number	00D401/574
Book / Page	D401 / 574
Instrument Date	Jun 1, 2023
Instrument	197061
Transaction Type	Transfer
Record Updated	May 20, 2025
Title Company	LAND GROUP TITLE & CLOSINGS

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$129.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	147 SIMPSON LN, BEAN STATION, TN 37708-6861

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 WILDERNESS RD, MIDDLESBORO, KY 40965-1648

Mortgage

Document Number	0000197062
Date	Jun 20, 2023
Instrument	197062

Lender

Name	GENEVA FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2053

Mortgage

Document Number	000M388/43
Date	Jun 20, 2023
Book Page	M388/43
Instrument	197063

Lender

Name	LEXINGTON-FAYETTE URBAN COUNTY GOV
Type	Government Agency
Address	FRANKFORT, KY 40601

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jun 1, 2033

Tax Assessment & Valuation

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	$1,382.00 (+32.76%)	$129,000 (+29.65%) Land $129,000	$129,000 (+29.65%) Land $129,000
2023	$1,041.00 (+70.1%)	$99,500 (+71.55%)	$99,500 (+71.55%)
2022	$612.00	$58,000	$58,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 43 policies
Nearby Flood Policies	43 in force
Nearby Flood Claims	153 (1980–2021)
Claims Outside the SFHA	18 of 153
Most Recent Claim	Mar 2021 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2011 · 29 claims Severe Storms, Tornadoes,and Flooding, Apr 1998 · 14 claims Severe Weather, Freezing Rain, Sleet, Snw, Feb 1994 · 21 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 65% of the US · above 67% of Kentucky
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond 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 124 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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