910 N 12th St, Middlesboro, KY 40965 Property Records

Bell County property record for 910 N 12th St, Middlesboro, KY 40965

Property Summary

Property Type	Commercial
Details	7,402 sqft
Owner	Company Name on File
Last Sale	$1,150,000 (Jan 2025)
Tax Bill	$12,328 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Jan 2025 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`082-10-00-170.00`

Property Details

APN / Parcel Number

Primary APN	`082-10-00-170.00`
Alternative APNs	`60670` `2636`

Interior

Stories	1 Story
Building Area	7,402 sqft Living Area

Exterior

Exterior Material	Wood
Construction Type	Wood
Roof Material	Composition Shingle
Terrain	Rolling
Driveway	Asphalt Driveway

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	60670
Street Address	910 N 12TH ST
City	MIDDLESBORO
State	KY
Zip	40965-1832
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	RESIDENTIA
Legal Description	NE 25E (LAND AND BUILDING)
Jurisdiction	BELL KY
Township / Civil Division	MIDDLESBOROUGH
Census Block Group	1
Census Block	1046
Census Tract	960500

Owner

910 N 12th St, a commercial property, is owned by a company that bought it in January 2025.

Source: Bell County records, as of July 7, 2026

Owner of Record	Company Name on File
Mailing Address	3228 SUMMIT SQUARE PL, 180, LEXINGTON, KY 40509-2637
Owner Type	Company
Vesting	Limited Liability Partnership

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2026	Deed of Trust, Mortgage · Line of Credit CENTRAL BANK & TRUST COMPANY
Jan 9, 2025	Deed, Transfer
Apr 5, 2023	Deed of Trust, Mortgage COMMERCIAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 9, 2025 · Amount on File
Deed Sale	Jan 9, 2025 · Amount on File
Prior Sale	May 18, 2023 · Amount on File
Deed Document Number	2025245840
Deed Book / Page	409 / 256
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL KY
Recording Date	Jul 1, 2026
Property Address	910 N 12TH ST, MIDDLESBORO, KY 40965-1832
Document Number	0000294771
Book / Page	408 / 45
Instrument Date	Jun 8, 2026
Instrument	2026294771
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Investor	Possibly a Property Investor

Mortgage

Document Number	0000294771,
Date	Jul 1, 2026
Book Page	408/45
Instrument	2026294771

Lender

Name	CENTRAL BANK & TRUST COMPANY

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	24 Months
Due	Jun 30, 2028

Interest

Rate	6.37%
Max Rate	-1%

January 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	BELL KY
Recording Date	Jan 9, 2025
Property Address	910 N 12TH ST, MIDDLESBORO, KY 40965-1832
Document Number	00D409/256
Book / Page	D409 / 256
Instrument Date	Dec 31, 2024
Instrument	245840
Transaction Type	Transfer
Record Updated	Dec 16, 2025

Transaction

Amount	Amount on Record
Tax	$1,150.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 218, MIDDLESBORO, KY 40965-0218

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3228 SUMMIT PLACE #180 # 180, 180, LEXINGTON, KY 40509

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELL KY
Property Address	910 N 12TH ST, MIDDLESBORO, KY 40965-1832
Transaction Type	Mortgage
Record Updated	Apr 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 2580, MIDDLESBORO, KY 40965-4580

Mortgage

Document Number	00M386/404
Date	Apr 5, 2023
Book Page	M386/404
Instrument	195761

Lender

Name	COMMERCIAL BANK
Type	Bank
Address	HARROGATE, TN 37752

Agreement

Amount	Amount on Record
Term	60 Months
Due	Apr 1, 2028

Tax Assessment & Valuation

The 2025 property tax bill for 910 N 12th St was $12,328.

Source: Bell County assessment roll, as of December 16, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Bell County
Municipality	Middlesborough City
Unified School District	Middlesboro Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$12,328.00	$1,150,000 Land $1,150,000	$1,150,000 Land $1,150,000
2023	$7,590.00	$725,000	$725,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 910 N 12th St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2011.

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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	6 (2011–2021)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Mar 2021 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2011 · 4 claims

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

Wildfire risk around 910 N 12th St is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 51% of the US · above 76% of Kentucky
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Eastern Telephone & Technologies Fixed Wireless	300 / 100
Starlink Satellite	280 / 30

May also be available: AT&T, Spectrum, T-Mobile, Verizon.

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