Montgomery County property record for 2509 Howards Mill Rd, Mount Sterling, KY 40353
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,332 sqft |
| Lot Size | 3.73 acres (162,479 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,111 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 038-00-00-058.05 |
| Primary APN | 038-00-00-058.05 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,332 sqft Living Area |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 162,479 sqft (3.73 acres) |
| Lot Dimensions | 479 ft deep x 411 ft wide |
| Terrain | Rolling |
| Porch | Porch |
|---|---|
| Porch Area | 228 sqft |
| Deck Area | 264 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|
| Account Number | 652026 |
|---|---|
| Street Address | 2509 HOWARDS MILL RD |
| City | MOUNT STERLING |
| State | KY |
| Zip | 40353-7962 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EAST POINT SUBD LOT 5 & HOUSE/GARAGE |
| Legal Subdivision | EAST POINT |
| Legal Lot Number | 5 |
| Jurisdiction | MONTGOMERY KY |
| Township / Civil Division | MOUNT STERLING |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 920202 |
2509 Howards Mill Rd is owned and occupied by an individual.
Source: Montgomery County records, as of January 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2509 HOWARDS MILL RD, MOUNT STERLING, KY 40353-7962 |
| 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 | Name on Deed |
|---|---|
| Deed Document Number | 0000340239 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 2509 Howards Mill Rd was $3,111.
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 | $3,111.00 | $286,000 | $286,000 |
| 2023 | $3,077.00 | $286,000 | $286,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2509 Howards Mill Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective February 27, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 2509 Howards Mill Rd is low, with a 0.03% 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 | 0.03% 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 60 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
5G (outdoors only) and 4G LTE
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