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Residential (General/Single)Residential
$106,959
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 62How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

124 NAPIER DR

MIDDLESBORO, KY 40965
0
Baths
0.42 ac
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$107K
$66K low$148K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$106,959
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$85,567

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$13 (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.$1,200 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$1,200
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$1,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$1,200

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.48
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
47
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.
98
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.
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.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Residential (General/Single)
CountyBell
Lot (acres)The size of the land the home sits on, from county records.0.42

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 SchoolC
Elementary · Grades PK–4 · 2.0 mi
M
Middlesboro Middle SchoolB-
Middle · Grades 5–8 · 2.3 mi
H
Middlesboro High SchoolB-
High · Grades 9–12 · 2.3 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%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.No

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

124 Napier Dr 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 69% of homes in Bell County
  • Has a smaller lot than 74% 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
$21K$344K

This home is worth more than 57% 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$106,959
CheaperTypical $95,853Pricier

Pricier than 57% of homes nearby

Lot size0.42 ac
SmallerTypical 0.35 acBigger

Bigger than 53% of homes nearby

How 124 Napier Dr ranks against every home in each area.
MeasureThis homeMiddlesboro 40965Bell County
Estimated valuepricier than$106,95957% of homes69% of homes
Lot sizebigger than0.42 ac53% of homes26% of homes

About 124 Napier Dr

How much is 124 Napier Dr, Middlesboro, KY worth?

The TopHap Estimate for 124 Napier Dr, Middlesboro, KY is $106,959 as of Jul 14, 2026. The likely range is $66,264 to $147,654. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 124 Napier Dr, Middlesboro, KY last sell?

124 Napier Dr, Middlesboro, KY last sold on Jun 20, 2018, according to the county's recorded deed.

What schools serve 124 Napier Dr, Middlesboro, KY?

124 Napier Dr, Middlesboro, KY is assigned to Middlesboro Elementary School (elementary), rated C; Middlesboro Middle School (middle), rated B-; 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 124 Napier Dr, Middlesboro, KY compare to other homes in Middlesboro 40965?

Among the 5,571 homes in Middlesboro 40965, it is worth more than 57% of them ($106,959 against a typical $95,853) and its lot is bigger than 53% of them (0.42 ac against a typical 0.35 ac). Measured against all of Bell County, it is worth more than 69% 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 124 Napier Dr, Middlesboro, KY?

The 2024 property tax bill for 124 Napier Dr, Middlesboro, KY was $13. The county assessed it at $1,200.

Closest homes

More homes in Middlesboro 40965

Assigned schools

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