Bell County property record for 826 Cherokee Dr, Middlesboro, KY 40965
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,722 sqft · built 1966 |
| Owner | Individual Name on File |
| Last Sale | $130,000 (Dec 2014) |
| Tax Bill | $1,608 (2025) |
| Deeds & Mortgages | Aug 2019 Mortgage Jul 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 069-10-00-092.01 |
| Primary APN | 069-10-00-092.01 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,722 sqft Living Area |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1966 |
| Architectural Style | A-Frame |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 336 sqft |
| Driveway | Asphalt Driveway |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 5645 |
|---|---|
| Street Address | 826 CHEROKEE DR |
| City | MIDDLESBORO |
| State | KY |
| Zip | 40965-2123 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NE 902 (PART LOTS 16-17) |
| Legal Subdivision | INDIAN HILLS SUB |
| Legal Lot Number | 16-17 |
| Jurisdiction | BELL KY |
| Township / Civil Division | MIDDLESBOROUGH |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 960700 |
826 Cherokee Dr is owned and occupied by an individual who acquired it in July 2020.
Source: Bell County records, as of December 16, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 826 CHEROKEE DR, MIDDLESBORO, KY 40965-2123 |
| 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 |
|---|---|
| Aug 1, 2019 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Jul 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Jul 21, 2020 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 3, 2014 · Amount on File |
| Deed Sale | Dec 3, 2014 · Amount on File |
| Prior Sale | Feb 7, 2007 · Amount on File |
| Deed Document Number | 2014161289 |
| Deed Book / Page | 364 / 592 |
| Last Transfer Date | Jul 21, 2020 |
| Transfer Doc | 00D387/734 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BELL KY |
| Property Address | 826 CHEROKEE DR, MIDDLESBORO, KY 40965-2123 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2023 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 00M358/279 |
|---|---|
| Date | Aug 1, 2019 |
| Book Page | M358/279 |
| Instrument | 179928 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Aug 1, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BELL KY |
| Property Address | 826 CHEROKEE DR, MIDDLESBORO, KY 40965-2123 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2023 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 00M373/828 |
|---|---|
| Date | Jul 26, 2021 |
| Book Page | M373/828 |
| Instrument | 187490 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 350 Months |
| Due | Sep 1, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BELL KY |
| Recording Date | Jul 21, 2020 |
| Property Address | 826 CHEROKEE DR, MIDDLESBORO, KY 40965-2123 |
| Document Number | 00D387/734 |
| Book / Page | D387 / 734 |
| Instrument Date | Jul 21, 2020 |
| Instrument | 183453 |
| Transaction Type | Transfer |
| Record Updated | Mar 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 826 CHEROKEE DR, MIDDLESBORO, KY 40965-2123 |
The 2025 property tax bill for 826 Cherokee Dr was $1,608.
Source: Bell County assessment roll, as of December 16, 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 | $1,608.00 | $150,000 Land $150,000 | $150,000 Land $150,000 |
| 2023 | $1,361.00 | $130,000 | $130,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 826 Cherokee Dr in Zone X, an area of minimal flood risk, though there have been 9 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 | 2 in force |
| Nearby Flood Claims | 9 (1981–2011) |
| Claims Outside the SFHA | 3 of 9 |
| 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.
Wildfire risk around 826 Cherokee Dr is moderate, ranking above 42% of the US, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · above 73% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.06% 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 62 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 |
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