Montgomery County property record for 111 W Locust St, Mount Sterling, KY 40353
| Property Type | Commercial |
|---|---|
| Details | 5,040 sqft |
| Lot Size | 0.386 acres (16,800 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $82,000 (Dec 2004) |
| Tax Bill | $889 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 23M-60-08-017.00 |
| Primary APN | 23M-60-08-017.00 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 5,040 sqft Total Area |
| Construction Type | Masonry / Concrete Block |
|---|---|
| Roof Material | Tar & Gravel |
| Lot Area | 16,800 sqft (0.386 acres) |
| Lot Dimensions | 140 ft deep x 120 ft wide |
| Account Number | 2754 |
|---|---|
| Street Address | 111 W LOCUST ST |
| City | MOUNT STERLING |
| State | KY |
| Zip | 40353-1312 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | W LOCUST ST BLDG & LOTS |
| Jurisdiction | MONTGOMERY KY |
| Township / Civil Division | MOUNT STERLING |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 920302 |
111 W Locust St, a commercial property, is owned by two individuals who bought it in December 2004.
Source: Montgomery County records, as of April 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 216, MOUNT STERLING, KY 40353-0216 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 1, 2004 · Amount on File |
| Deed Sale | Dec 1, 2004 · Amount on File |
| Deed Document Number | 200426431 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 111 W Locust St was $889.
Source: Montgomery County assessment roll, as of January 13, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Montgomery County |
| Municipality | Mount Sterling City |
| Unified School District | Montgomery County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $889.00 | $90,000 | $90,000 |
| 2023 | $882.00 | $90,000 | $90,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 111 W Locust St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective February 27, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 1 (2018) |
| Most Recent Claim | Sep 2018 · rainfall accumulation |
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 111 W Locust St is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.01% 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 | MT STERLING WATER WORKS serves 16,391 people · EPA ID KY0870298 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | Haloacetic acids resolved · Apr 2023 |
|---|---|
| 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 473 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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