Montgomery County property record for 809 Cobbler Ln E, Mount Sterling, KY 40353 · Last verified January 2026
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 4 ba · 1,849 sqft · built 2003 |
| Lot Size | 0.269 acres (11,761 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $126,500 (Jul 2003) |
| Tax Bill | $1,304 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 024-80-01-025.00 |
| Primary APN | 024-80-01-025.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 1 Story |
| Building Area | 1,849 sqft Total Area |
| Year Built | Built 2003 |
|---|---|
| Exterior Material | Brick Veneer |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 11,761 sqft (0.269 acres) |
| Garage Area | 490 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 3733 |
|---|---|
| Street Address | 809 COBBLER LN E |
| City | MOUNT STERLING |
| State | KY |
| Zip | 40353-1494 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | THE VILLAGE LOT 25 & DUPLEX |
| Legal Subdivision | THE VILLAGE |
| Legal Lot Number | 25 |
| Jurisdiction | MONTGOMERY KY |
| Township / Civil Division | MOUNT STERLING |
| Census Block Group | 4 |
| Census Block | 4003 |
| Census Tract | 920302 |
Source: Montgomery County records · APN 024-80-01-025.00
Assessment roll updated April 1, 2025 · Last verified January 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 File |
|---|---|
| Mailing Address | PO BOX 177, MOUNT STERLING, KY 40353-0177 |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 01, 2003 · Amount on Record |
| Deed Sale | Jul 01, 2003 · Amount on Record |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY KY |
| Property Address | 809 COBBLER LN E, MOUNT STERLING, KY 40353-1494 |
| Transaction Type | Mortgage |
| Record Updated | May 13, 2026 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 177, MOUNT STERLING, KY 40353-0177 |
| Document Number | 00M696/241 |
|---|---|
| Date | Feb 04, 2026 |
| Book Page | M696/241 |
| Instrument | 1971899 |
| Name | FORCHT BANK NA |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40509 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Feb 03, 2046 |
Source: Montgomery County records · Assessment roll updated April 1, 2025 · Last verified January 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Montgomery County |
| Municipality | Mount Sterling City |
| Unified School District | Montgomery County School District (PK - 12) |
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 |
|---|---|---|---|
| 2025 | $1,304.00 (+0.85%) | $132,000 (-) | $132,000 (-) |
| 2023 | $1,293.00 | $132,000 | $132,000 |
Source: FEMA National Flood Hazard Layer, Montgomery County (21173C), updated February 27, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Wildfire Risk | Low above 20% of the US · above 37% of Kentucky |
|---|---|
| Wildfire Likelihood | About 1 in 3,704 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 217 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: AT&T, Spectrum, T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.
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