Montgomery County property record for 324 Gardner Ln, Mount Sterling, KY 40353
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,092 sqft · built 1975 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | Company on Record |
| Tax Bill | $1,632 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 031-20-16-030.00 |
| Primary APN | 031-20-16-030.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,092 sqft Living Area |
| Family Room | Family Room |
| Year Built | Built 1975 |
|---|---|
| Exterior Material | Brick Veneer |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.169 acres) |
| Terrain | Rolling |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Space Heater |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 655485 |
|---|---|
| Street Address | 324 GARDNER LN |
| City | MOUNT STERLING |
| State | KY |
| Zip | 40353-8186 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EASTLAND HTS LOT 30 & HOUSE |
| Legal Subdivision | EASTLAND HTS |
| Legal Lot Number | 30 |
| Jurisdiction | MONTGOMERY KY |
| Township / Civil Division | MOUNT STERLING |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 920201 |
Source: Montgomery County assessment roll, as of April 1, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company on Record |
|---|---|
| Mailing Address | PO BOX 961, MOUNT STERLING, KY 40353-0961 |
| Owner Type | Company |
| Deed Names | Name on Deed |
|---|---|
| Deed Document Number | 0000350654 |
| 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 | $1,632.00 (+21.34%) | $150,000 (+2%) | $150,000 (+2%) |
| 2023 | $1,345.00 | $125,000 | $125,000 |
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 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within 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 234 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
May also be available: AT&T, Verizon.
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