Bell County property record for 605 S 21st St, Middlesboro, KY 40965
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 1,800 sqft · built 1984 |
| Lot Size | 0.344 acres (15,000 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $696 (2025) |
| Deeds & Mortgages | Jun 2009 Mortgage Aug 2011 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 069-44-27-001.00 |
| Primary APN | 069-44-27-001.00 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,800 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Exterior Material | Brick Veneer |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Composition Shingle |
| Lot Area | 15,000 sqft (0.344 acres) |
| Lot Dimensions | 100 ft deep x 150 ft wide |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 60672 |
|---|---|
| Street Address | 605 S 21ST ST |
| City | MIDDLESBORO |
| State | KY |
| Zip | 40965-1303 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SE 510 (LOT & HOUSE) |
| Jurisdiction | BELL KY |
| Township / Civil Division | MIDDLESBOROUGH |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 960600 |
605 S 21st St is owned and occupied by two individuals who acquired it in November 2024.
Source: Bell County records, as of December 15, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 605 S 21ST ST, MIDDLESBORO, KY 40965-1303 |
| 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.
| Date | Document |
|---|---|
| Jun 9, 2009 | Deed of Trust, Mortgage FIRST STATE FINANCIAL INC |
| Aug 4, 2011 | Deed of Trust, Mortgage · ARM FIRST STATE FINANCIAL INC |
| Jan 9, 2025 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 26, 2024 |
| Deed Sale | Nov 26, 2024 |
| Deed Document Number | 0000409266 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BELL KY |
| Property Address | 605 S 21ST ST, MIDDLESBORO, KY 40965-1303 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 00M283/494 |
|---|---|
| Date | Jun 9, 2009 |
| Book Page | M283/494 |
| Name | FIRST STATE FINANCIAL INC |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 59 Months |
| Due | May 5, 2014 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BELL KY |
| Property Address | 605 S 21ST ST, MIDDLESBORO, KY 40965-1303 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|---|
| Address | 605 S 21ST ST, MIDDLESBORO, KY 40965-1303 |
| Investor | Possibly a Property Investor |
| Document Number | 000300/754 |
|---|---|
| Date | Aug 4, 2011 |
| Book Page | 300/754 |
| Name | FIRST STATE FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Address | 1810 CUMBERLAND AVE, MIDDLESBORO, KY 40965 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 151 Months |
| Due | Mar 5, 2024 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 8% |
| Document Type | Deed |
|---|---|
| Jurisdiction | BELL KY |
| Recording Date | Jan 9, 2025 |
| Property Address | 605 S 21ST ST, MIDDLESBORO, KY 40965-1303 |
| Document Number | 00D409/266 |
| Book / Page | D409 / 266 |
| Instrument Date | Nov 26, 2024 |
| Instrument | 245845 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 602 S 21ST ST, MIDDLESBORO, KY 40965-1304 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 605 S 21ST ST, MIDDLESBORO, KY 40965-1303 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 605 S 21st St was $696.
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 | $696.00 | $65,000 Land $65,000 | $65,000 Land $65,000 |
| 2023 | $680.00 | $65,000 | $65,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 605 S 21st 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 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 |
|
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 605 S 21st St is moderate, ranking above 43% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| 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 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 157 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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