525 S 35th St, Middlesboro, KY 40965 Property Records

Bell County property record for 525 S 35th St, Middlesboro, KY 40965

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	1,320 sqft · built 1986
Owner	2 Individual Names on File
Last Sale	$60,000 (Jan 2024)
Tax Bill	$643 (2025)
Deeds & Mortgages	Jan 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`070-11-00-041.00`

Property Details

APN / Parcel Number

Primary APN	`070-11-00-041.00`
Alternative APNs	`58906` `7430`

Interior

Building Area	1,320 sqft Total Area

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Mobile Home
Exterior Material	Stucco
Terrain	Rolling
Driveway	Gravel Driveway
Porch	Slab

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	58906
Street Address	525 S 35TH ST
City	MIDDLESBORO
State	KY
Zip	40965-2403
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	RESIDENTIA
Legal Description	SW A (LAND & D-WIDE)
Jurisdiction	BELL KY
Township / Civil Division	MIDDLESBOROUGH
Census Block Group	4
Census Block	4013
Census Tract	960600

Owner

525 S 35th St, a commercial property, is owned by two individuals who bought it in January 2024.

Source: Bell County records, as of March 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	157 JONES WILSON LN, MIDDLESBORO, KY 40965-9042
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2024 · Amount on File
Deed Sale	Jan 3, 2024 · Amount on File
Prior Sale	Aug 23, 2007 · Amount on File
Deed Document Number	2024199564
Deed Book / Page	404 / 748
Prior Transfer Date	Aug 20, 2007
Prior Transfer Doc	0000338/14
Record Updated	Jun 8, 2026

January 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	BELL KY
Recording Date	Jan 3, 2024
Property Address	525 S 35TH ST, MIDDLESBORO, KY 40965-2403
Document Number	00D404/748
Book / Page	D404 / 748
Map Reference	MB 239 PG 203
Instrument Date	Nov 13, 2023
Instrument	199564
Transaction Type	Transfer
Record Updated	Jan 19, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$60.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	526 PLANTERS RIDGE DR, SUNSET BEACH, NC 28468-6169

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	157 JONES WILSON LN, MIDDLESBORO, KY 40965-9042

Mortgage

Document Number	0000199565
Date	Jan 3, 2024
Instrument	199565

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	Dec 1, 2030
Change Frequency	Annually
Min Rate At Change	4.5%
Max Rate At Change	8.5%
Index	1-Year T-Bill
Max Rate	12.5%

Tax Assessment & Valuation

The 2025 property tax bill for 525 S 35th St was $643.

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	$643.00	$60,000 Land $60,000	$60,000 Land $60,000
2023	$695.00	$66,400 (+114.19%)	$66,400 (+114.19%)
2022	Homeowner's exemption	$31,000	$31,000

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

Flood

FEMA maps place 525 S 35th St in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 1981.

Source: FEMA National Flood Hazard Layer, effective January 28, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	12 (1981–2022)
Claims Outside the SFHA	4 of 12
Most Recent Claim	Jul 2022 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2011 · 2 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 525 S 35th St is moderate, ranking above 50% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 50% of the US · above 75% of Kentucky
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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 168 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Eastern Telephone & Technologies Fixed Wireless	300 / 100
Verizon Fixed Wireless	300 / 20