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725 N 19th St, Middlesboro, KY, 40965

2beds
2baths
15,119sqft
$855,000
$57price/sqft
$6,499/moest. monthly cost
$259,960/yrincome needed

About This Home

Prime Multifamily Investment Opportunity Presenting a well-established commercial apartment building in the heart of Middlesboro, Kentucky. Built in 1990, this single-story property offers approximately 15,225 square feet of space ideally suited for residential rental units, providing stable cash flow in a convenient location. Strategically positioned on N 19th Street, the building benefits from easy access to local amenities, employment centers, and essential services in Bell County. Solid 1990 construction with a functional single-story design for easy maintenance and accessibility. This property represents an excellent value-add or turnkey investment for investors seeking entry into Kentucky's multifamily sector. Whether you're looking to maintain current operations or implement updates for higher rents, 725 N 19th Street delivers a solid foundation in a community with long-term housing needs.

Getting Around

32
WalkingCar-Dependent
0
TransitVery Limited Transit
50
BikeBikeable

Schools

5/10
5/10
6/10
Middlesboro High SchoolGrades 9-122.0 mi

Construction

Condition

  • Year built: 1990

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Electric

Interior Area

  • Total structure area: 15,119
  • Total interior livable area: 15,119 sqft

Property

Details

  • Parcel number: 0693407002.00

Lot

  • Lot size: 0.93 Acres

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Inland Flooding
    Inland FloodingVery High
  • Cold Wave
    Cold WaveRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Cold Wave
Strong Wind
Winter Weather
Hail
Tornado

FEMA Declared Disasters Across Kentucky Counties

Flood
Hurricane
Mud Landslide
Severe Storm
Straight Line Winds
Tornado
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $4,323$51,876
Home Insurance *$577$6,924
Property Taxes $406$4,872
Electricity $1,193$14,327
Total$6,499$77,988
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$222,822/yr
40% on housing$194,970/yr
45% on housing$173,306/yr

Kentucky FAIR Plan Programs

Kentucky FAIR Plan Reinsurance Association

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 4,102Commercial: 175
Total Premiums$2.55M
Total Exposure$206.09M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 8.0%
8.0%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: 13.7%
13.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$57This listing

vs Other Active Listings

Avg $/sqft

ZIP 40965$93
Bell County$93

vs Homes Sold Last Month

Median $/sqft

ZIP 40965$112
Bell County$113

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-07Listed for sale$855,000

For Sale by Agent

AgentBeth Combs
BrokerageTurn Key Realty

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