Montgomery County property record for 5187 Howards Mill Rd, Mount Sterling, KY 40353
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,470 sqft · built 2000 |
| Lot Size | 5 acres (217,800 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $445 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 045-00-00-037.01 |
| Primary APN | 045-00-00-037.01 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,470 sqft Living Area |
| Basement Area | 1,470 sqft |
| Unfinished Basement | 1,470 sqft |
| Year Built | Built 2000 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 217,800 sqft (5 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|
| Account Number | 649634 |
|---|---|
| Street Address | 5187 HOWARDS MILL RD |
| City | MOUNT STERLING |
| State | KY |
| Zip | 40353-8600 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOWARDS MILL RD 5 ACS & HOUSE |
| Jurisdiction | MONTGOMERY KY |
| Township / Civil Division | MOUNT STERLING |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 920202 |
5187 Howards Mill Rd is owned and occupied by an individual who acquired it in August 2004.
Source: Montgomery County records, as of January 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5187 HOWARDS MILL RD, MOUNT STERLING, KY 40353-8600 |
| 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 | Name on Deed |
|---|---|
| Last Sale | Aug 1, 2004 |
| Deed Sale | Aug 1, 2004 |
| Deed Document Number | 0000279619 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 5187 Howards Mill Rd was $445.
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 | $445.00 | $90,000 | $90,000 |
| 2023 | $469.00 | $90,000 | $90,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5187 Howards Mill Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective February 27, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| 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 5187 Howards Mill Rd is low, with a 0.04% 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 | 0.04% 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 | BATH COUNTY WATER DISTRICT serves 10,083 people · EPA ID KY0060022 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jun 2024 |
| Lead | 2 ppb (2026) 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 8 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
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