404 E Main St, Mount Sterling, KY 40353 Property Records

Montgomery County property record for 404 E Main St, Mount Sterling, KY 40353

Property Summary

Property Type	Commercial
Details	280 sqft
Owner	2 Individual Names on File
Last Sale	$60,000 (Apr 2002)
Tax Bill	$543 (2025)
Flood Zone	Zone AE (high risk)
APN	`23M-60-26-016.00`

Property Details

APN / Parcel Number

Primary APN	`23M-60-26-016.00`
Alternative APN	`10704`

Interior

Stories	1 Story
Building Area	280 sqft Total Area
Office	280 sqft

Exterior

Exterior Material	Other
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	10704
Street Address	404 E MAIN ST
City	MOUNT STERLING
State	KY
Zip	40353-1430
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	404 E MAIN ST (3 TRACTS) & OFFICE
Legal Tract	3
Jurisdiction	MONTGOMERY KY
Township / Civil Division	MOUNT STERLING
Census Block Group	4
Census Block	4008
Census Tract	920202

Owner

Source: Montgomery County records · APN 23M-60-26-016.00

Assessment roll updated April 1, 2025 · Last verified January 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	142 BRISTOL LN, MOUNT STERLING, KY 40353-7948
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 01, 2002 · Amount on Record
Deed Sale	Apr 01, 2002 · Amount on Record
Record Updated	Jun 08, 2026

Tax Assessment & Valuation

Source: Montgomery County records · Assessment roll updated April 1, 2025 · Last verified January 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Montgomery County
Municipality	Mount Sterling City
Unified School District	Montgomery County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$543.00 (+0.74%)	$55,000 (-)	$55,000 (-)
2023	$539.00	$55,000	$55,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of February 27, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (2018)
Most Recent Claim	Sep 2018 · river or lake flooding

Wildfire

Wildfire Risk	Low lower than 94% of the US · lower than 95% of Kentucky
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

Based on FCC filings for 239 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	MT STERLING WATER WORKS serves 16,391 people
Water Source	Surface water
Last State Inspection	Mar 2025
Lead	Under 1 ppb (2023–2025) 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.