3181 Stepstone Rd, Mount Sterling, KY 40353 Property Records

Montgomery County property record for 3181 Stepstone Rd, Mount Sterling, KY 40353

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 864 sqft
Lot Size	1.05 acres (45,825 sqft)
Owner	Individual Name on File
Tax Bill	$326 (2025)
Flood Zone	Zone X (minimal risk)
APN	`038-00-00-019.00`

Property Details

APN / Parcel Number

Primary APN	`038-00-00-019.00`
Alternative APN	`648418`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	864 sqft Living Area
Basement Area	864 sqft
Finished Basement	864 sqft

Exterior

Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	45,825 sqft (1.05 acres)
Terrain	Rolling

Location & Zoning

Account Number	648418
Street Address	3181 STEPSTONE RD
City	MOUNT STERLING
State	KY
Zip	40353-7934
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STEPSTONE RD 1.052 ACRES & HOUSE
Jurisdiction	MONTGOMERY KY
Township / Civil Division	MOUNT STERLING
Census Block Group	2
Census Block	2009
Census Tract	920202

Owner

3181 Stepstone Rd is owned and occupied by an individual who acquired it in May 2011.

Source: Montgomery County records, as of January 12, 2026

Owner of Record	Individual Name on File
Mailing Address	3181 STEPSTONE RD, MOUNT STERLING, KY 40353-7934
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 27, 2011
Deed Sale	May 27, 2011
Deed Document Number	155981
Deed Book / Page	D295 / 105
Record Updated	Jun 8, 2026

Tax Assessment & Valuation

The 2025 property tax bill for 3181 Stepstone Rd was $326.

Source: Montgomery County assessment roll, as of April 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Montgomery County
Unified School District	Montgomery County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$326.00	$30,000	$30,000
2023	$322.00	$30,000	$30,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3181 Stepstone 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

Wildfire risk around 3181 Stepstone 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BATH COUNTY WATER DISTRICT serves 10,083 people · EPA ID KY0060022
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2024
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20