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Single Family ResidenceResidential
$127,675$61 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 90How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

103 S 38TH ST

MIDDLESBORO, KY 40965
3
Beds
2 / 1
Baths
2,104 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.26 ac
Lot SizeThe size of the land the home sits on, from county records.
1961
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$128K
$115K low$140K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$506 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$95,000 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$95,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$95,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$95,000

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.63
91
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
36
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
82
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
97
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
13
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.52 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.0.2 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.A-Frame
CountyBell
Lot (acres)The size of the land the home sits on, from county records.0.26
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Block (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Heat Pump
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.No Garage

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Middlesboro Elementary SchoolD
Elementary · Grades PK–4 · 0.3 mi
M
Middlesboro Middle SchoolD+
Middle · Grades 5–8 · 0.4 mi
H
Middlesboro High SchoolB-
High · Grades 9–12 · 0.5 mi

District: Middlesboro Independent School District

Neighborhood · ZIP 40965These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.132
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.118
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.119

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.87%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.11%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.27%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.12,012
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.163 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$36,944
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$48,342
Average tempThe average temperature here across a full year.54°F
Annual precipHow much rain and melted snow falls here in a typical year.54 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.55%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

103 S 38th St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 76% of homes in Bell County
  • Bigger than 85% of homes in Middlesboro 40965
  • Has a smaller lot than 84% of homes in Bell County

What homes are worth in Middlesboro 40965

Each bar is how many homes fall in that price range. The marker is this home.

This home
$18K$357K

This home is worth more than 71% of homes in Middlesboro 40965.

How it measures up in Middlesboro 40965

The dot is this home. The mark in the middle is the typical home in Middlesboro 40965.

Estimated value$127,675
CheaperTypical $87,822Pricier

Pricier than 71% of homes nearby

Price per ft²$61
CheaperTypical $70Pricier

Pricier than 38% of homes nearby

Living area2,104 ft²
SmallerTypical 1,248 ft²Bigger

Bigger than 85% of homes nearby

Lot size0.26 ac
SmallerTypical 0.36 acBigger

Bigger than 36% of homes nearby

Year built1961
OlderTypical 1968Newer

Newer than 44% of homes nearby

How 103 S 38th St ranks against every home in each area.
MeasureThis homeMiddlesboro 40965Bell County
Estimated valuepricier than$127,67571% of homes76% of homes
Price per ft²pricier than$6138% of homes45% of homes
Living areabigger than2,104 ft²85% of homes82% of homes
Lot sizebigger than0.26 ac36% of homes16% of homes
Year builtnewer than196144% of homes37% of homes

About 103 S 38th St

How much is 103 S 38th St, Middlesboro, KY worth?

The TopHap Estimate for 103 S 38th St, Middlesboro, KY is $127,675 as of Sep 24, 2026. The likely range is $115,054 to $140,296. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 103 S 38th St, Middlesboro, KY last sell?

103 S 38th St, Middlesboro, KY last sold on Mar 15, 2016, according to the county's recorded deed.

How big is 103 S 38th St, Middlesboro, KY?

103 S 38th St, Middlesboro, KY has 3 bedrooms, 2 bathrooms, 2,104 square feet of living space and a 0.26-acre lot.

When was 103 S 38th St, Middlesboro, KY built?

103 S 38th St, Middlesboro, KY was built in 1961, making it 65 years old. It is a a-frame home. The building has 1 story.

What schools serve 103 S 38th St, Middlesboro, KY?

103 S 38th St, Middlesboro, KY is assigned to Middlesboro Elementary School (elementary), rated D; Middlesboro Middle School (middle), rated D+; Middlesboro High School (high), rated B-. All sit in Middlesboro Independent School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 103 S 38th St, Middlesboro, KY compare to other homes in Middlesboro 40965?

Among the 5,573 homes in Middlesboro 40965, it is worth more than 71% of them ($127,675 against a typical $87,822), its price per square foot is higher than 38% of them ($61 against a typical $70), it is bigger than 85% of them (2,104 ft² against a typical 1,248 ft²), its lot is bigger than 36% of them (0.26 ac against a typical 0.36 ac) and it is newer than 44% of them (1961 against a typical 1968). Measured against all of Bell County, it is worth more than 76% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 103 S 38th St, Middlesboro, KY?

The 2024 property tax bill for 103 S 38th St, Middlesboro, KY was $506. The county assessed it at $95,000.

More homes on S 38th St

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