Montgomery County property record for 546 Melanie Ln, Mount Sterling, KY 40353
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,270 sqft · built 1975 |
| Lot Size | 0.4 acres (17,424 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $79,900 (Nov 2015) |
| Tax Bill | $1,642 (2025) |
| Deeds & Mortgages | Jan 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 031-20-19-008.00 |
| Primary APN | 031-20-19-008.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 1,270 sqft Living Area |
| Basement Area | 1,270 sqft |
| Finished Basement | 1,270 sqft |
| Family Room | Family Room |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Exterior Material | Brick Veneer |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 17,424 sqft (0.4 acres) |
| Lot Dimensions | 138 ft deep x 125 ft wide |
| Terrain | Rolling |
| Garage Area | 520 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 160 sqft |
| Deck Area | 120 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 647759 |
|---|---|
| Street Address | 546 MELANIE LN |
| City | MOUNT STERLING |
| State | KY |
| Zip | 40353-8844 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EASTLAND ACRES LOT 29 & HOUSE |
| Legal Subdivision | EASTLAND ACRES |
| Legal Lot Number | 29 |
| Jurisdiction | MONTGOMERY KY |
| Township / Civil Division | MOUNT STERLING |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 920201 |
546 Melanie Ln is owned and occupied by two individuals who bought it in November 2015.
Source: Montgomery County records, as of January 12, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 546 MELANIE LN, MOUNT STERLING, KY 40353-8844 |
| 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 | Nov 23, 2015 · Amount on File |
| Deed Sale | Nov 23, 2015 · Amount on File |
| Deed Document Number | 0000326602 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY KY |
| Property Address | 546 MELANIE LN, MOUNT STERLING, KY 40353-8844 |
| Transaction Type | Mortgage |
| Record Updated | May 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00M695/848 |
|---|---|
| Date | Jan 29, 2026 |
| Book Page | M695/848 |
| Instrument | 1971652 |
| Name | NEW AMERICAN FUNDING |
|---|---|
| Type | Lending Institution |
| Address | TUSTIN, CA 92780 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Feb 16, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 546 Melanie Ln was $1,642.
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 | $1,642.00 | $151,000 | $151,000 |
| 2023 | $1,624.00 | $151,000 | $151,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 546 Melanie Ln 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 546 Melanie Ln 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 | 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 163 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
May also be available: T-Mobile, Verizon.
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