Bell County property record for 525 E Lothbury Ave, Middlesboro, KY 40965
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,440 sqft · built 1970 |
| Lot Size | 0.482 acres (21,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $110,000 (Nov 2021) |
| Tax Bill | $1,179 (2025) |
| Deeds & Mortgages | Nov 2021 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 082-20-00-034.00 |
| Primary APN | 082-20-00-034.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,440 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1970 |
|---|---|
| Exterior Material | Brick Veneer |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 21,000 sqft (0.482 acres) |
| Lot Dimensions | 210 ft deep x 100 ft wide |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Gas |
| Account Number | 4858 |
|---|---|
| Street Address | 525 E LOTHBURY AVE |
| City | MIDDLESBORO |
| State | KY |
| Zip | 40965-1643 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NE 115 (LOT 18) |
| Legal Lot Number | 18 |
| Jurisdiction | BELL KY |
| Township / Civil Division | MIDDLESBOROUGH |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 960500 |
525 E Lothbury Ave is owned and occupied by an individual who bought it in November 2021.
Source: Bell County records, as of December 15, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 525 E LOTHBURY AVE, MIDDLESBORO, KY 40965-1643 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 29, 2021 · Amount on File |
| Deed Sale | Nov 29, 2021 · Amount on File |
| Deed Document Number | 189357 |
| Deed Book / Page | D394 / 134 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BELL KY |
| Recording Date | Nov 29, 2021 |
| Property Address | 525 E LOTHBURY AVE, MIDDLESBORO, KY 40965-1643 |
| Document Number | 00D394/134 |
| Book / Page | D394 / 134 |
| Instrument Date | Nov 23, 2021 |
| Instrument | 189357 |
| Transaction Type | Transfer |
| Record Updated | Dec 20, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $110.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8641 AVALON ST, WHEELERSBURG, OH 45694-1961 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 525 E LOTHBURY AVE, MIDDLESBORO, KY 40965-1643 |
| Document Number | 0000189358 |
|---|---|
| Date | Nov 29, 2021 |
| Instrument | 189358 |
| Name | FIRST STATE FINANCIAL INC |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.62% |
| Type Change Date | Dec 1, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 5.62% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 8.62% |
The 2025 property tax bill for 525 E Lothbury Ave was $1,179.
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 | $1,179.00 | $110,000 Land $110,000 | $110,000 Land $110,000 |
| 2023 | $1,151.00 | $110,000 | $110,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 525 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 |
| 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 525 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.
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 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures