Montgomery County property record for 117 Clay St, Mount Sterling, KY 40353
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 487,000 sqft |
| Owner | Individual Name on Record |
| Tax Bill | $1,886 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 23M-50-04-036.00 |
| Primary APN | 23M-50-04-036.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 487,000 sqft Living Area |
| Basement Area | 632 sqft |
| Unfinished Basement | 632 sqft |
| Family Room | Family Room |
| Fireplace | Fireplace |
| Exterior Material | Wood |
|---|---|
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Metal |
| Terrain | Rolling |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
| Porch Area | 63 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Sewer | Connected |
| Account Number | 11520 |
|---|---|
| Street Address | 117 CLAY ST |
| City | MOUNT STERLING |
| State | KY |
| Zip | 40353-1103 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CLAY ST/HOUSE & 4 TRACTS |
| Legal Tract | 4 |
| Jurisdiction | MONTGOMERY KY |
| Township / Civil Division | MOUNT STERLING |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 920301 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Northwest Residential District listed 1989 · 314 contributing resources · NRIS 89001422 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Montgomery County records, as of January 12, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 117 CLAY ST, MOUNT STERLING, KY 40353-1103 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 1, 1987 |
| Deed Sale | Apr 1, 1987 |
| Record Updated | Jun 8, 2026 |
Source: Montgomery County assessment roll, as of April 1, 2025
| 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 | $1,886.00 (-0.58%) | $240,000 (-) | $240,000 (-) |
| 2023 | $1,897.00 | $240,000 | $240,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
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.
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 | Direct burnable vegetation |
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures