Montgomery County property record for 4418 Howards Mill Rd, Mount Sterling, KY 40353
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,386 sqft |
| Lot Size | 100 acres (4,356,000 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,130 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 046-00-00-001.00 |
| Primary APN | 046-00-00-001.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,386 sqft Living Area |
| Exterior Material | Brick Veneer |
|---|---|
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 4,356,000 sqft (100 acres) |
| Porch | Porch |
|---|---|
| Porch Area | 200 sqft |
| Deck Area | 384 sqft |
| Total Buildings | 4 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 5536 |
|---|---|
| Street Address | 4418 HOWARDS MILL RD |
| City | MOUNT STERLING |
| State | KY |
| Zip | 40353-9144 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOWARDS MILL RD FARM & HOUSE |
| Jurisdiction | MONTGOMERY KY |
| Township / Civil Division | MOUNT STERLING |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 920202 |
4418 Howards Mill Rd is owned and occupied by two individuals who acquired it in September 2007.
Source: Montgomery County records, as of January 12, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4418 HOWARDS MILL RD, MOUNT STERLING, KY 40353-9144 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 6, 2007 |
| Deed Sale | Sep 6, 2007 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 4418 Howards Mill Rd was $1,130.
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 | $1,130.00 | $153,000 | $153,000 |
| 2023 | $1,147.00 | $153,000 | $153,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4418 Howards Mill Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective February 27, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 4418 Howards Mill Rd is low, with a 0.05% 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 | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
5G and 4G LTE (outdoors only)
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