Bell County property record for 635 N 20th St, Middlesboro, KY 40965
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,536 sqft · built 1996 |
| Owner | Individual Name on File |
| Tax Bill | $428 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 069-34-06-015.00 |
| Primary APN | 069-34-06-015.00 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,536 sqft Living Area |
| Year Built | Built 1996 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Cooling System | None |
|---|---|
| Heating System | Radiant |
| Account Number | 59605 |
|---|---|
| Street Address | 635 N 20TH ST |
| City | MIDDLESBORO |
| State | KY |
| Zip | 40965-1909 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIAL |
| Legal Description | NE 511A (LOT AND DUPLEX) |
| Jurisdiction | BELL KY |
| Township / Civil Division | MIDDLESBOROUGH |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 960700 |
635 N 20th St is owned by an individual who acquired it in March 2024.
Source: Bell County records, as of December 15, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 103 OAKWOOD RD, MIDDLESBORO, KY 40965-1717 |
| 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 | Name on Deed |
|---|---|
| Last Sale | Mar 15, 2024 |
| Deed Sale | Mar 15, 2024 |
| Deed Document Number | 0000405619 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 635 N 20th St was $428.
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 | $428.00 | $40,000 Land $40,000 | $40,000 Land $40,000 |
| 2023 | $418.00 | $40,000 | $40,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 635 N 20th St in Zone X, an area of minimal flood risk, though there have been 43 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 |
| Flood Insurance Cost | Premium on File median of 10 policies |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 43 (1981–2021) |
| Claims Outside the SFHA | 21 of 43 |
| Most Recent Claim | Mar 2021 · rainfall accumulation |
| 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 635 N 20th St is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond 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 124 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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