Bell County property record for 78 Gent Ln, Middlesboro, KY 40965
| Property Type | Mixed Use Commercial Office / Residential |
|---|---|
| Details | 2,432 sqft · built 2004 |
| Owner | Individual Name on Record |
| Tax Bill | $514 (2025) |
| Deeds & Mortgages | Feb 2024 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 057-10-02-005.A1 |
| Primary APN | 057-10-02-005.A1 |
|---|---|
| Alternative APNs |
|
| Building Area | 2,432 sqft Total Area |
|---|
| Year Built | Built 2004 |
|---|---|
| Exterior Material | Other |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 3684 |
|---|---|
| Street Address | 78 GENT LN |
| City | MIDDLESBORO |
| State | KY |
| Zip | 40965-9020 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Mixed Use Commercial Office / Residential |
| Legal Description | DOUBLE WIDE HOME |
| Jurisdiction | BELL KY |
| Township / Civil Division | MIDDLESBOROUGH |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 960800 |
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 |
|---|---|
| Mailing Address | 78 GENT LN, MIDDLESBORO, KY 40965-9020 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 1, 2000 |
| Deed Sale | Jan 1, 2000 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BELL KY |
| Property Address | 78 GENT LN, MIDDLESBORO, KY 40965-9020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2024 |
| Name | Verified Name |
|---|
| Document Number | 00M391/714 |
|---|---|
| Date | Feb 6, 2024 |
| Book Page | M391/714 |
| Instrument | 200037 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Feb 1, 2049 |
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 | $514.00 (+2.39%) | $48,000 (-) Land $48,000 | $48,000 (-) Land $48,000 |
| 2023 | $502.00 | $48,000 | $48,000 |
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 |
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 20 (1991–2026) |
| Claims Outside the SFHA | 7 of 20 |
| Most Recent Claim | Apr 2026 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 58% of the US · above 78% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.2% 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 159 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 |
May also be available: Verizon.
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