Montgomery County property record for 3 Willow St, Mount Sterling, KY 40353
| Property Type | Commercial |
|---|---|
| Details | 2,510 sqft |
| Lot Size | 0.33 acres (14,400 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $75,000 (Nov 2015) |
| Tax Bill | $741 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 23M-60-27-024.00 |
| Primary APN | 23M-60-27-024.00 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,510 sqft Total Area |
| Exterior Material | Concrete Block |
|---|---|
| Construction Type | Masonry / Concrete Block |
| Roof Material | Composition Shingle |
| Lot Area | 14,400 sqft (0.33 acres) |
| Lot Dimensions | 120 ft deep x 120 ft wide |
| Account Number | 643256 |
|---|---|
| Street Address | 3 WILLOW ST |
| City | MOUNT STERLING |
| State | KY |
| Zip | 40353-1425 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | WILLOW & MAIN (MT STERLING BEER DEPOT) |
| Jurisdiction | MONTGOMERY KY |
| Township / Civil Division | MOUNT STERLING |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 920202 |
3 Willow St, a commercial property, is owned and occupied by two individuals who bought it in November 2015.
Source: Montgomery County records, as of January 12, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3 WILLOW ST, MOUNT STERLING, KY 40353-1425 |
| 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 |
|---|---|
| Last Sale | Nov 3, 2015 · Amount on File |
| Deed Sale | Nov 3, 2015 · Amount on File |
| Deed Document Number | 0000313703 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 3 Willow St was $741.
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 | $741.00 | $75,000 | $75,000 |
| 2023 | $735.00 | $75,000 | $75,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3 Willow St in Zone X, an area of minimal flood risk, within 100 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 100 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 3 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 97% of the US · lower than 97.3% 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 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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