637 E Main St, Mount Sterling, KY 40353 Property Records

Montgomery County property record for 637 E Main St, Mount Sterling, KY 40353

Property Summary

Property Type	Commercial
Owner	Company Name on File
Tax Bill	$245 (2023)
Flood Zone	Zone X (minimal risk)
APN	`23M-80-10-007.00L1`

Property Details

APN / Parcel Number

Primary APN	`23M-80-10-007.00L1`
Alternative APN	`11128`

Interior

Stories	1 Story
Office	568 sqft

Exterior

Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Block
Roof Material	Tar & Gravel

Location & Zoning

Account Number	11128
Street Address	637 E MAIN ST
City	MOUNT STERLING
State	KY
Zip	40353-1239
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	637 E MAIN ST BLDG ONLY
Jurisdiction	MONTGOMERY KY
Township / Civil Division	MOUNT STERLING
Census Block Group	2
Census Block	2003
Census Tract	920201

Owner

Source: Montgomery County records · APN 23M-80-10-007.00L1

Assessment roll updated April 1, 2023 · Last verified March 2024

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	PO BOX 1056, MOUNT STERLING, KY 40353-5056
Owner Type	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Jun 07, 2026

Tax Assessment & Valuation

Source: Montgomery County records · Assessment roll updated April 1, 2023 · Last verified March 2024

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$245.00	$25,000	$25,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of February 27, 2025 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 95% of the US · lower than 95% of Kentucky
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

Based on FCC filings for 261 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	MT STERLING WATER WORKS serves 16,391 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.