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410 E Locust St, Mount Sterling, KY 40353 Property Records

Montgomery County property record for 410 E Locust St, Mount Sterling, KY 40353

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 1,104 sqft
Lot Size0.155 acres (6,750 sqft)
OwnerIndividual Name on Record
Last Sale$175,000 (Jan 2024)
Tax Bill$1,729 (2025)
Deeds & MortgagesJan 2026 Foreclosure
Jan 2026 Sale
Flood ZoneZone X (minimal risk)
APN23M-80-01-003.00

Property Details

APN / Parcel Number

Primary APN23M-80-01-003.00
Alternative APNs
  • 652330
  • 654807
  • 384

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,104 sqft Living Area
Basement Area712 sqft
Unfinished Basement712 sqft
Family RoomFamily Room

Exterior

Exterior MaterialAluminum/Vinyl
Foundation TypeBlock
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area6,750 sqft (0.155 acres)
Lot Dimensions150 ft deep x 45 ft wide
TerrainSteep
DrivewayDriveway
PorchSlab
Porch Area72 sqft

Location & Zoning

Account Number654807
Street Address410 E LOCUST ST
CityMOUNT STERLING
StateKY
Zip40353-1410
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Description410 E LOCUST ST H & LOT
Legal SubdivisionMACKIE ADD
Legal Block25
JurisdictionMONTGOMERY KY
Township / Civil DivisionMOUNT STERLING
Census Block Group4
Census Block4015
Census Tract920202

Owner

Source: Montgomery County records, as of September 28, 2026

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

Owner of RecordIndividual Name on Record
Mailing Address410 E LOCUST ST, MOUNT STERLING, KY 40353-1410
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 22, 2026Special Warranty Deed, Foreclosure
Jan 6, 2026Warranty Deed, Transfer

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJan 12, 2024 · Amount on Record
Deed SaleJan 12, 2024 · Amount on Record
Record UpdatedOct 29, 2026

January 2026: Special Warranty Deed, Foreclosure

Document TypeSpecial Warranty Deed
JurisdictionMONTGOMERY KY
Recording DateJan 22, 2026
Property Address410 E LOCUST ST, MOUNT STERLING, KY 40353-1410
Document Number00D357/135
Book / PageD357 / 135
Map ReferenceMB 64 PG 602
Instrument DateJan 14, 2026
Instrument1971396
Transaction TypeForeclosure
Record UpdatedMay 13, 2026

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3401 WEST END AVE STE 760, 760, NASHVILLE, TN 37203-6860

January 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONTGOMERY KY
Recording DateJan 6, 2026
Property Address410 E LOCUST ST, MOUNT STERLING, KY 40353-1410
Document Number00D356/868
Book / PageD356 / 868
Map ReferenceMB 64 PG 620
Instrument DateNov 9, 2025
Instrument1970464
Transaction TypeTransfer
Record UpdatedMay 13, 2026

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address28 LISLE LN, WINCHESTER, KY 40391-2415

Transferred To (Grantee/Buyer)

NameVerified Name
Address1050 WOODWARD AVE, DETROIT, MI 48226-3573

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of January 13, 2026

Property Jurisdictions

TypeName
StateKentucky
CountyMontgomery County
MunicipalityMount Sterling City
Unified School DistrictMontgomery County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,729.00 (+580.71%)$175,000 (+573.08%)$175,000 (+573.08%)
2023$254.00$26,000$26,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective February 27, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies6 in force
Nearby Flood Claims1 (2018)
Most Recent ClaimSep 2018 · river or lake flooding

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 94% of the US · lower than 95% of Kentucky
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

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 SystemMT STERLING WATER WORKS
serves 16,391 people · EPA ID KY0870298
Water SourceSurface water
Last State InspectionMar 2025
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityHaloacetic acids
resolved · Apr 2023
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 239 locations within half a mile, as of December 31, 2025

ProviderMax 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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