Montgomery County property record for 2851 Howards Mill Rd, Mount Sterling, KY 40353
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,738 sqft · built 1993 |
| Lot Size | 12.2 acres (534,046 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $90,000 (Jun 2006) |
| Tax Bill | $1,795 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 039-00-00-002.00 |
| Primary APN | 039-00-00-002.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,738 sqft Living Area |
| Year Built | Built 1993 |
|---|---|
| Exterior Material | Other |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 534,046 sqft (12.2 acres) |
| Terrain | Rolling |
| Garage Type | Mixed |
| Garage Area | 1,848 sqft |
| Parking Spaces | 7 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 138 sqft |
| Deck Area | 270 sqft |
| Total Buildings | 2 Buildings |
| Account Number | 838 |
|---|---|
| Street Address | 2851 HOWARDS MILL RD |
| City | MOUNT STERLING |
| State | KY |
| Zip | 40353-9030 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOWARDS MILL FARM/HOUSE/BARN |
| Jurisdiction | MONTGOMERY KY |
| Township / Civil Division | MOUNT STERLING |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 920202 |
Source: Montgomery County records, as of January 12, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2851 HOWARDS MILL RD, MOUNT STERLING, KY 40353-9030 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 30, 2006 · Amount on Record |
| Deed Sale | Jun 30, 2006 · Amount on Record |
| Record Updated | Jun 8, 2026 |
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 | $1,795.00 (+1.13%) | $165,000 (-) | $165,000 (-) |
| 2023 | $1,775.00 | $165,000 | $165,000 |
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
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 66% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.04% 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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