Montgomery County property record for 528 E Locust St, Mount Sterling, KY 40353
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 759 sqft |
| Lot Size | 0.09 acres (3,920 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $65,000 (Jul 2015) |
| Tax Bill | $158 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 23M-80-08-031.00 |
| Primary APN | 23M-80-08-031.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 759 sqft Living Area |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 3,920 sqft (0.09 acres) |
| Lot Dimensions | 131 ft deep x 30 ft wide |
| Terrain | Rolling |
| Driveway | Driveway |
| Porch | Slab |
| Porch Area | 65 sqft |
| Account Number | 640533 |
|---|---|
| Street Address | 528 E LOCUST ST |
| City | MOUNT STERLING |
| State | KY |
| Zip | 40353-1412 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 528 E LOCUST ST HOUSE & LOT |
| Jurisdiction | MONTGOMERY KY |
| Township / Civil Division | MOUNT STERLING |
| Census Block Group | 4 |
| Census Block | 4009 |
| Census Tract | 920202 |
Source: Montgomery County records, as of September 29, 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 | 617 BROOKMEDE DR, MOUNT STERLING, KY 40353-1503 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 17, 2015 · Amount on Record |
| Deed Sale | Jul 17, 2015 · Amount on Record |
| Prior Sale | Apr 29, 2005 · Amount on Record |
| Record Updated | Oct 29, 2026 |
Source: Montgomery County assessment roll, as of January 13, 2026
| 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 | $158.00 (+1.28%) | $16,000 (-) | $16,000 (-) |
| 2023 | $156.00 | $16,000 | $16,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | 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.
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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