Bell County property record for 522 N 15th St, Middlesboro, KY 40965
| Property Type | Commercial |
|---|---|
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,680 (2025) |
| Deeds & Mortgages | May 2019 Construction Loan |
| Flood Zone | Zone AE (high risk) |
| APN | 082-10-00-098.00 |
| Primary APN | 082-10-00-098.00 |
|---|---|
| Alternative APNs |
|
| Lot Area | 10,019 sqft (0.23 acres) |
|---|---|
| Lot Dimensions | 100 ft deep x 100 ft wide |
| Terrain | Rolling |
| Account Number | 11274 |
|---|---|
| Street Address | 522 N 15TH ST |
| City | MIDDLESBORO |
| State | KY |
| Zip | 40965-1126 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | NE 516 (LOTS 33-36; 0.230 ACRE & BLD |
| Legal Lot Number | 33-36 |
| Jurisdiction | BELL KY |
| Township / Civil Division | MIDDLESBOROUGH |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 960500 |
522 N 15th St, a commercial property, is owned by two individuals who acquired it in June 2011.
Source: Bell County records, as of December 15, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 2208, MIDDLESBORO, KY 40965-4208 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 13, 2011 |
| Deed Sale | Jun 13, 2011 |
| Deed Document Number | 0000355472 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BELL KY |
| Property Address | 522 N 15TH ST, MIDDLESBORO, KY 40965-1126 |
| Transaction Type | Mortgage |
| Record Updated | Dec 20, 2022 |
| Name | Verified Name |
|---|
| Document Number | 00M357/147 |
|---|---|
| Date | May 28, 2019 |
| Book Page | M357/147 |
| Instrument | 179234 |
| Name | HOME FEDERAL BANK CORP |
|---|---|
| Type | Bank |
| Address | MIDDLESBORO, KY 40965 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 252 Months |
| Due | May 20, 2040 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 522 N 15th St was $2,680.
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 | $2,680.00 | $250,000 Land $250,000 | $250,000 Land $250,000 |
| 2023 | $2,617.00 | $250,000 | $250,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 522 N 15th 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 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 |
|
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 522 N 15th St is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · above 67% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 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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