Montgomery County property record for 509 E Locust St, Mount Sterling, KY 40353
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 764 sqft · built 2005 |
| Lot Size | 0.43 acres (18,731 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $315 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 23M-80-09-007.00 |
| Primary APN | 23M-80-09-007.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 764 sqft Living Area |
| Basement Area | 764 sqft |
| Unfinished Basement | 764 sqft |
| Family Room | Family Room |
| Year Built | Built 2005 |
|---|---|
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 18,731 sqft (0.43 acres) |
| Lot Dimensions | 250 ft deep x 75 ft wide |
| Terrain | Rolling |
| Garage Area | 306 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 192 sqft |
| Account Number | 650669 |
|---|---|
| Street Address | 509 E LOCUST ST |
| City | MOUNT STERLING |
| State | KY |
| Zip | 40353-1411 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 509 E LOCUST ST LOT 2 & HOUSE |
| Legal Lot Number | 2 |
| Jurisdiction | MONTGOMERY KY |
| Township / Civil Division | MOUNT STERLING |
| Census Block Group | 4 |
| Census Block | 4008 |
| Census Tract | 920202 |
509 E Locust St is owned and occupied by an individual who acquired it in February 2011.
Source: Montgomery County records, as of January 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 509 E LOCUST ST, MOUNT STERLING, KY 40353-1411 |
| 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 | Feb 2, 2011 |
| Deed Sale | Feb 2, 2011 |
| Deed Document Number | 153918 |
| Deed Book / Page | D294 / 76 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 509 E Locust St was $315.
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 | $315.00 | $81,000 | $81,000 |
| 2023 | $339.00 | $81,000 | $81,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 509 E Locust St 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 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 1 (2018) |
| Most Recent Claim | Sep 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 risk around 509 E Locust St is low, with a 0.01% 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 | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 239 locations within half a mile, as of December 31, 2025
| Provider | Max 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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