Bell County property record for 609 Gloucester Ave, Middlesboro, KY 40965
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,457 sqft |
| Owner | Individual Name on Record |
| Last Sale | $168,000 (Dec 2018) |
| Tax Bill | $1,800 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Dec 2018 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 069-42-02-004.00 |
| Primary APN | 069-42-02-004.00 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,457 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Architectural Style | A-Frame |
|---|---|
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Cooling System | Central |
|---|---|
| Heating System | Gas |
| Account Number | 8629 |
|---|---|
| Street Address | 609 GLOUCESTER AVE |
| City | MIDDLESBORO |
| State | KY |
| Zip | 40965-2041 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NE 5 (LOTS 23-24 & HOUSE) |
| Legal Lot Number | 23-24 |
| Jurisdiction | BELL KY |
| Township / Civil Division | MIDDLESBOROUGH |
| Census Block Group | 3 |
| Census Block | 3022 |
| Census Tract | 960700 |
Source: Bell County records, as of December 15, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 609 GLOUCESTER AVE, MIDDLESBORO, KY 40965-2041 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 23, 2026 | Deed of Trust, Mortgage · Conventional Mortgage HEARTHSIDE LENDING CORPORATION |
| Dec 5, 2018 | Deed, Transfer · FHA Mortgage CITIZENS BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 5, 2018 · Amount on Record |
| Deed Sale | Dec 5, 2018 · Amount on Record |
| Deed Document Number | 177535 |
| Deed Book / Page | D380 / 350 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BELL KY |
| Recording Date | Jul 23, 2026 |
| Property Address | 609 GLOUCESTER AVE, MIDDLESBORO, KY 40965-2041 |
| Document Number | 0000295169 |
| Book / Page | 408 / 502 |
| Instrument Date | Jul 13, 2026 |
| Instrument | 2026295169 |
| Transaction Type | Mortgage |
| Record Updated | Aug 4, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 609 GLOUCESTER AVE, MIDDLESBORO, KY 40965-2041 |
| Document Number | 0000295169, |
|---|---|
| Date | Jul 23, 2026 |
| Book Page | 408/502 |
| Instrument | 2026295169 |
| Name | HEARTHSIDE LENDING CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.52% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | BELL KY |
| Recording Date | Dec 5, 2018 |
| Property Address | 609 GLOUCESTER AVE, MIDDLESBORO, KY 40965-2041 |
| Document Number | 00D380/350 |
| Book / Page | D380 / 350 |
| Instrument Date | Dec 4, 2018 |
| Instrument | 177535 |
| Transaction Type | Transfer |
| Record Updated | Mar 31, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $168.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 609 GLOUCESTER AVE, 609, MIDDLESBORO, KY 40965-2041 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 609 GLOUCESTER AVE, MIDDLESBORO, KY 40965-2041 |
| Document Number | 0000177536 |
|---|---|
| Date | Dec 5, 2018 |
| Instrument | 177536 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2049 |
| Document Number | 00M354/200 |
|---|---|
| Date | Dec 6, 2018 |
| Book Page | M354/200 |
| Instrument | 177569 |
| Name | FIRST STATE FINANCIAL INC |
|---|---|
| Type | Bank |
| Address | NEW TAZEWELL, TN 37825 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 71 Months |
| Due | Nov 7, 2024 |
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 | $1,800.00 (+2.39%) | $168,000 (-) Land $168,000 | $168,000 (-) Land $168,000 |
| 2023 | $1,758.00 | $168,000 | $168,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record median of 12 policies |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 14 (1999–2011) |
| Claims Outside the SFHA | 1 of 14 |
| Most Recent Claim | Jun 2011 · Severe Storms, Tornadoes, And 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 66% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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 342 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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