Montgomery County property record for 462 Spring St, Mount Sterling, KY 40353
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,344 sqft |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,327 (2025) |
| Deeds & Mortgages | Jan 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 23M-30-15-016.00 |
| Primary APN | 23M-30-15-016.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,344 sqft Living Area |
| Exterior Material | Other |
|---|---|
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Terrain | Rolling |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 180 sqft |
| Account Number | 653076 |
|---|---|
| Street Address | 462 SPRING ST |
| City | MOUNT STERLING |
| State | KY |
| Zip | 40353-1535 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRING ST HOUSE & LOT |
| Jurisdiction | MONTGOMERY KY |
| Township / Civil Division | MOUNT STERLING |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 920302 |
Source: Montgomery County records, as of January 12, 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 Record |
|---|---|
| Mailing Address | 462 SPRING ST, MOUNT STERLING, KY 40353-1535 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Deed Document Number | 0000343241 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY KY |
| Recording Date | Jan 7, 2026 |
| Property Address | 462 SPRING ST, MOUNT STERLING, KY 40353-1535 |
| Document Number | 0000D357/1 |
| Book / Page | D357 / 1 |
| Instrument Date | Jan 6, 2026 |
| Instrument | 1970496 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Title Company | TREY TITLE LLC, TRUE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $165.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2245 BLEVINS VALLEY RD, OWINGSVILLE, KY 40360-8560 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 462 SPRING ST, MOUNT STERLING, KY 40353-1535 |
| Document Number | 0001970500 |
|---|---|
| Date | Jan 7, 2026 |
| Instrument | 1970500 |
| Name | NEW AMERICAN FUNDING |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2056 |
Source: Montgomery County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Montgomery County |
| Municipality | Mount Sterling City |
| Unified School District | Montgomery County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,327.00 (+0.76%) | $134,400 (-) | $134,400 (-) |
| 2023 | $1,317.00 | $134,400 | $134,400 |
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 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 1 (2018) |
| Most Recent Claim | Sep 2018 · rainfall accumulation |
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.
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 | None beyond 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 359 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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