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

Montgomery County property record for 428 E Main St, Mount Sterling, KY 40353 · Last verified January 2026

Property Summary

Property TypeCommercial
Details2,550 sqft
Lot Size0.271 acres (11,848 sqft)
Owner2 Individual Names on File
Tax Bill$410 (2025)
Deeds & MortgagesMar 2026 Sale
Flood ZoneZone AE (high risk)
APN23M-60-26-024.00

Property Details

APN / Parcel Number

Primary APN23M-60-26-024.00
Alternative APNs
  • 655405
  • 629

Interior

Stories1 Story
Building Area2,550 sqft Total Area

Exterior

Exterior MaterialBrick/Stone
Construction TypeMasonry / Concrete Block
Foundation TypePier/Post & Beam
Roof MaterialMetal
Lot Area11,848 sqft (0.271 acres)
TerrainRolling

Location & Zoning

Account Number655405
Street Address428 E MAIN ST
CityMOUNT STERLING
StateKY
Zip40353-1430
Property CategoryCommercial
Property TypeCommercial > Retail
Legal Description428 E MAIN ST BLDG & LOT
JurisdictionMONTGOMERY KY
Township / Civil DivisionMOUNT STERLING
Census Block Group4
Census Block4008
Census Tract920202

Owner

Source: Montgomery County records · APN 23M-60-26-024.00

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 Record2 Individual Names on File
Mailing Address4114 ANGLERS WAY, ROYSE CITY, TX 75189-0470
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Deed Document Number0000027410
Record UpdatedSep 20, 2026

March 2026: Deed, Transfer

Document TypeDeed
JurisdictionMONTGOMERY KY
Recording DateMar 11, 2026
Property Address428 E MAIN ST, MOUNT STERLING, KY 40353-1430
Document Number00D357/515
Book / PageD357 / 515
Instrument DateFeb 25, 2026
Instrument1973301
Transaction TypeTransfer
Record UpdatedMay 13, 2026

Transaction

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

Transferred From (Grantor/Seller)

NameVerified Name
Address4114 ANGLERS WAY, ROYSE CITY, TX 75189-0470

Transferred To (Grantee/Buyer)

NameVerified Name
Address8866 STATE HIGHWAY 34 S, QUINLAN, TX 75474-9421
InvestorPossibly a Property Investor

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateKentucky
CountyMontgomery County
MunicipalityMount Sterling City
Unified School DistrictMontgomery 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.

YearTax BillAssessed ValueAssessed Market Value
2025$410.00 (+0.99%)$41,500 (-)$41,500 (-)
2023$406.00$41,500$41,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Montgomery County (21173C), updated February 27, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211739202024, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone AE
Special Flood Hazard AreaYes
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationVaries along the reach; see FIRM
Flood Insurance RequirementRequired (federally backed mortgages)
Nearby Flood Policies6 in force
Nearby Flood Claims1 (2018)
Most Recent ClaimSep 2018, river or lake flooding

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
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, availability as of December 31, 2025 · Published October 2026 · based on 239 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
SpectrumCable1,000 / 1,000
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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