490 Pine Hurst Dr, Mount Sterling, KY 40353 Property Records

Montgomery County property record for 490 Pine Hurst Dr, Mount Sterling, KY 40353

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,509 sqft · built 2013
Lot Size	0.21 acres (9,148 sqft)
Owner	Company Name on File
Last Sale	$290,000 (Jan 2026)
Tax Bill	$1,654 (2025)
Deeds & Mortgages	Jan 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`022-60-01-106.00`

Property Details

APN / Parcel Number

Primary APN	`022-60-01-106.00`
Alternative APN	`643252`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,509 sqft Living Area
Gross Area	441 sqft

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	120 ft deep x 75 ft wide
Terrain	Rolling
Garage Type	Mixed
Garage Area	441 sqft
Driveway	Concrete Driveway
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	138 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	643252
Street Address	490 PINE HURST DR
City	MOUNT STERLING
State	KY
Zip	40353-7849
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VALHALLA SUBD LOT 106 & HOUSE
Legal Subdivision	VALHALLA
Legal Lot Number	106
Jurisdiction	MONTGOMERY KY
Township / Civil Division	MOUNT STERLING
Census Block Group	2
Census Block	2022
Census Tract	920100

Owner

490 Pine Hurst Dr is owned by a company that bought it in January 2026.

Source: Montgomery County records, as of April 22, 2026

Owner of Record	Company Name on File
Mailing Address	212 N 2ND ST, 100, RICHMOND, KY 40475-1408
Owner Type	Company
Vesting	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 28, 2026 · Amount on File
Deed Sale	Jan 28, 2026 · Amount on File
Prior Sale	Nov 3, 2015 · Amount on File
Deed Document Number	2026
Record Updated	Sep 20, 2026

January 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MONTGOMERY KY
Recording Date	Jan 28, 2026
Property Address	490 PINE HURST DR, MOUNT STERLING, KY 40353-7849
Document Number	00D357/173
Book / Page	D357 / 173
Map Reference	CAB C SL 285
Instrument Date	Jan 23, 2026
Instrument	1971566
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$290.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	490 PINE HURST DR, MOUNT STERLING, KY 40353-7849

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	212 N 2ND ST # 100, 100, RICHMOND, KY 40475-1408

Mortgage

Document Number	0001971567
Date	Jan 28, 2026
Instrument	1971567

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	300 Months
Due	Jan 23, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 490 Pine Hurst Dr was $1,654.

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,654.00	$167,500	$167,500
2023	$1,641.00	$167,500	$167,500

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

Flood

FEMA maps place 490 Pine Hurst Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1997.

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 Claims	1 (1997)
Most Recent Claim	Mar 1997 · Severe Storm, Flooding, And Tornadoes

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

Wildfire risk around 490 Pine Hurst Dr is low, with a 0.02% 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	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 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

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, 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 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20