Bell County property record for 515 S 22nd St, Middlesboro, KY 40965
| Property Type | Single Family Home |
|---|---|
| Details | 1,248 sqft · built 2013 |
| Lot Size | 0.157 acres (6,800 sqft) |
| Owner | Individual Name on File |
| Last Sale | $75,000 (Feb 2022) |
| Tax Bill | $804 (2025) |
| Deeds & Mortgages | Feb 2022 Sale & Mortgage Nov 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 069-44-23-009.00 |
| Primary APN | 069-44-23-009.00 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,248 sqft Living Area |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 6,800 sqft (0.157 acres) |
| Lot Dimensions | 100 ft deep x 68 ft wide |
| Driveway | Driveway |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | 6042 |
|---|---|
| Street Address | 515 S 22ND ST |
| City | MIDDLESBORO |
| State | KY |
| Zip | 40965-1331 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SE 409 (PART OF LOTS 15-16) |
| Legal Subdivision | JAMES PATTERSON PROPERTY |
| Legal Lot Number | 15-16 |
| Jurisdiction | BELL KY |
| Township / Civil Division | MIDDLESBOROUGH |
| Census Block Group | 2 |
| Census Block | 2028 |
| Census Tract | 960600 |
Source: Bell County records · APN 069-44-23-009.00
Assessment roll updated December 16, 2025 · Last verified August 2026
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 |
|---|---|
| Mailing Address | PO BOX 1973, MIDDLESBORO, KY 40965-3973 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 21, 2022 | Deed, Transfer · Conventional Mortgage PLANET HOME LENDING LLC |
| Nov 15, 2019 | Deed, Transfer · Conventional Mortgage COMMUNITY TRUST BANK INC |
| Jul 05, 2017 | Survivorship Deed, Transfer · Conventional Mortgage US BANK NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 21, 2022 · Amount on Record |
| Deed Sale | Feb 21, 2022 · Amount on Record |
| Prior Sale | Nov 15, 2019 · Amount on Record |
| Deed Document Number | 2022190366 |
| Deed Book / Page | 395 / 220 |
| Prior Transfer Date | Jun 03, 2016 |
| Prior Transfer Doc | 00D371/283 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BELL KY |
| Recording Date | Feb 21, 2022 |
| Property Address | 515 S 22ND ST, MIDDLESBORO, KY 40965-1331 |
| Document Number | 00D395/220 |
| Book / Page | D395 / 220 |
| Instrument Date | Feb 18, 2022 |
| Instrument | 190366 |
| Transaction Type | Transfer |
| Record Updated | Mar 07, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $75.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 702 BALMORAL RD, MIDDLESBORO, KY 40965-1413 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 1973, MIDDLESBORO, KY 40965-3973 |
| Document Number | 0000190367 |
|---|---|
| Date | Feb 21, 2022 |
| Instrument | 190367 |
| Name | PLANET HOME LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Mar 01, 2037 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BELL KY |
| Recording Date | Nov 15, 2019 |
| Property Address | 515 S 22ND ST, MIDDLESBORO, KY 40965-1331 |
| Document Number | 00D385/309 |
| Book / Page | D385 / 309 |
| Instrument Date | Oct 30, 2019 |
| Instrument | 181025 |
| Transaction Type | Transfer |
| Record Updated | Mar 07, 2023 |
| Title Company | ACCURATE EQUITY GROUP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $53.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4718 SHURLEY RD, NEW PARIS, OH 45347-9043 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 515 S 22ND ST, MIDDLESBORO, KY 40965-1331 |
| Investor | Possibly a Property Investor |
| Document Number | 00M360/474 |
|---|---|
| Date | Nov 27, 2019 |
| Book Page | M360/474 |
| Instrument | 181150 |
| Name | COMMUNITY TRUST BANK INC |
|---|---|
| Type | Bank |
| Address | PIKEVILLE, KY 41502 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Type Change Date | Nov 01, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 3.37% |
| Max Rate At Change | 6% |
| Index | 1-Year CMT |
| Max Rate | 10% |
| Document Type | Survivorship Deed |
|---|---|
| Jurisdiction | BELL KY |
| Recording Date | Jul 05, 2017 |
| Property Address | 515 S 22ND ST, MIDDLESBORO, KY 40965-1331 |
| Document Number | 00D374/756 |
| Book / Page | D374 / 756 |
| Instrument Date | May 19, 2017 |
| Instrument | 172086 |
| Transaction Type | Transfer |
| Record Updated | Mar 07, 2023 |
| Title Company | ACUTE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $48.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3345 S VAL VISTA DR STE 300, 300, GILBERT, AZ 85297-7340 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 515 S 22ND ST, MIDDLESBORO, KY 40965-1331 |
| Document Number | 0000172087 |
|---|---|
| Date | Jul 05, 2017 |
| Instrument | 172087 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | Jun 01, 2037 |
Source: Bell County records · Assessment roll updated December 16, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Bell County |
| Municipality | Middlesborough City |
| Unified School District | Middlesboro Independent School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $804.00 (+2.42%) | $75,000 (-) Land $75,000 | $75,000 (-) Land $75,000 |
| 2023 | $785.00 | $75,000 | $75,000 |
Source: FEMA National Flood Hazard Layer, Bell County (21013C), as of January 28, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 210139606002, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
|
| Wildfire Risk | Moderate above 43% of the US · above 73% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 157 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system KY0070282, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | KENTUCKY AMERICAN WATER - MIDDLESBORO private · serves 12,022 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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