524 E Lothbury Ave, Middlesboro, KY 40965 Property Records

Bell County property record for 524 E Lothbury Ave, Middlesboro, KY 40965

Property Summary

Property Type	Single Family Home
Details	1 ba · 768 sqft
Owner	Individual Name on File
Last Sale	$110,000 (Mar 2023)
Tax Bill	$1,179 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Jan 2017 Sale
Flood Zone	Zone AE (high risk)
APN	`082-20-00-047.00`

Property Details

APN / Parcel Number

Primary APN	`082-20-00-047.00`
Alternative APNs	`60210` `3417`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	768 sqft Living Area

Exterior

Exterior Material	Masonite
Foundation Type	Block
Roof Material	Composition Shingle
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None
Heating System	Gas

Location & Zoning

Account Number	60210
Street Address	524 E LOTHBURY AVE
City	MIDDLESBORO
State	KY
Zip	40965-1644
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NE 15 (LOT 3; PART LOTS 28-32)
Legal Lot Number	3,28-32
Jurisdiction	BELL KY
Township / Civil Division	MIDDLESBOROUGH
Census Block Group	2
Census Block	2016
Census Tract	960700

Owner

524 E Lothbury Ave is owned by an individual who bought it in March 2023.

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 571, MIDDLESBORO, KY 40965-0571
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

Date	Document
Mar 8, 2023	Deed, Transfer HEARTHSIDE BANK CORP
Jan 23, 2017	Warranty Deed, Transfer KENTUCKY LAND TITLE, KENTUCKY MTN LAND TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 8, 2023 · Amount on File
Deed Sale	Mar 8, 2023 · Amount on File
Prior Sale	Jan 23, 2017 · Amount on File
Deed Document Number	195354
Deed Book / Page	D400 / 414
Record Updated	Jun 8, 2026

March 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	BELL KY
Recording Date	Mar 8, 2023
Property Address	524 E LOTHBURY AVE, MIDDLESBORO, KY 40965-1644
Document Number	00D400/414
Book / Page	D400 / 414
Instrument Date	Feb 28, 2023
Instrument	195354
Transaction Type	Transfer
Record Updated	Mar 29, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$110.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 571, MIDDLESBORO, KY 40965-0571

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 BEDROCK WAY, HARROGATE, TN 37752-1402

Mortgage

Document Number	0000195355
Date	Mar 8, 2023
Instrument	195355

Lender

Name	HEARTHSIDE BANK CORP
Type	Bank

Agreement

Amount	Amount on Record
Term	240 Months
Due	Feb 28, 2043

Interest

Rate Type	Adjustable Rate

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BELL KY
Recording Date	Jan 23, 2017
Property Address	524 E LOTHBURY AVE, MIDDLESBORO, KY 40965-1644
Document Number	000D373/96
Book / Page	D373 / 96
Instrument Date	Jan 18, 2017
Instrument	170452
Transaction Type	Transfer
Record Updated	Mar 7, 2023
Title Company	KENTUCKY LAND TITLE, KENTUCKY MTN LAND TITLE

Transaction

Amount	Amount on Record
Tax	$69.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2307 ODYSSEY LAKE CIR S, BRUNSWICK, GA 31525-9029

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	524 E LOTHBURY AVE, MIDDLESBORO, KY 40965-1644

Tax Assessment & Valuation

The 2025 property tax bill for 524 E Lothbury Ave was $1,179.

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	$1,179.00	$110,000 Land $10,000 Building $100,000	$110,000 Land $10,000 Building $100,000
2023	$1,256.00	$120,000	$120,000

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

Flood

FEMA maps place 524 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 524 E Lothbury Ave is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · above 68% of Kentucky
Wildfire Likelihood	0.05% 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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