Montgomery County property record for 20 Smith St, Mount Sterling, KY 40353
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 748 sqft |
| Lot Size | 0.246 acres (10,720 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $217 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 23M-80-12-011.00 |
| Primary APN | 23M-80-12-011.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 748 sqft Living Area |
| Family Room | Family Room |
| Exterior Material | Brick Veneer |
|---|---|
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 10,720 sqft (0.246 acres) |
| Lot Dimensions | 160 ft deep x 67 ft wide |
| Terrain | Rolling |
| Sewer | Connected |
|---|
| Account Number | 650768 |
|---|---|
| Street Address | 20 SMITH ST |
| City | MOUNT STERLING |
| State | KY |
| Zip | 40353-1273 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 20 SMITH ST H & LOT |
| Jurisdiction | MONTGOMERY KY |
| Township / Civil Division | MOUNT STERLING |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 920202 |
20 Smith St is owned and occupied by two individuals.
Source: Montgomery County records, as of January 12, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20 SMITH ST, MOUNT STERLING, KY 40353-1273 |
| Occupancy | Owner Occupied |
| 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 |
|---|---|
| Deed Document Number | 0000033678 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 20 Smith St was $217.
Source: Montgomery County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Montgomery County |
| Unified School District | Montgomery County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $217.00 | $20,000 | $20,000 |
| 2023 | $215.00 | $20,000 | $20,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 Smith St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.
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 | 6 in force |
| Nearby Flood Claims | 1 (2018) |
| Most Recent Claim | Sep 2018 · river or lake flooding |
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 20 Smith St is low, with a 0.02% 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 | 0.02% 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 239 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
May also be available: Verizon.
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