Montgomery County property record for 14 Willow St, Mount Sterling, KY 40353
| Property Type | Duplex |
|---|---|
| Details | 2,204 sqft · built 2003 |
| Lot Size | 0.139 acres (6,098 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $988 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 23M-60-25-006.01 |
| Primary APN | 23M-60-25-006.01 |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,204 sqft Total Area |
| Year Built | Built 2003 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Lot Area | 6,098 sqft (0.139 acres) |
| Garage Area | 260 sqft |
| Parking Spaces | 1 Parking Space |
| Account Number | 646892 |
|---|---|
| Street Address | 14 WILLOW ST |
| City | MOUNT STERLING |
| State | KY |
| Zip | 40353-1426 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | WILLOW ST 0.14 AC & DUPLEX |
| Jurisdiction | MONTGOMERY KY |
| Township / Civil Division | MOUNT STERLING |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 920202 |
14 Willow St, a duplex, is owned by an individual who acquired it in September 2002.
Source: Montgomery County records, as of January 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 177, MOUNT STERLING, KY 40353-0177 |
| 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 | Name on Deed |
|---|---|
| Last Sale | Sep 27, 2002 |
| Deed Sale | Sep 27, 2002 |
| Deed Document Number | 0000323594 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY KY |
| Property Address | 14 WILLOW ST, MOUNT STERLING, KY 40353-1426 |
| Transaction Type | Mortgage |
| Record Updated | May 13, 2026 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 177, MOUNT STERLING, KY 40353-0177 |
| Document Number | 00M696/241 |
|---|---|
| Date | Feb 4, 2026 |
| Book Page | M696/241 |
| Instrument | 1971899 |
| Name | FORCHT BANK NA |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40509 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Feb 3, 2046 |
The 2025 property tax bill for 14 Willow St was $988.
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 | $988.00 | $100,000 | $100,000 |
| 2023 | $980.00 | $100,000 | $100,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 14 Willow 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 | 2 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.
Wildfire risk around 14 Willow St is low, with less than 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 98% of the US · lower than 98.2% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 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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