Montgomery County property record for 813 Cobbler Ln E, Mount Sterling, KY 40353
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 4 ba · 1,855 sqft · built 2003 |
| Lot Size | 0.269 acres (11,761 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $136,300 (Aug 2005) |
| Tax Bill | $1,304 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 024-80-01-026.00 |
| Primary APN | 024-80-01-026.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 1 Story |
| Building Area | 1,855 sqft Total Area |
| Year Built | Built 2003 |
|---|---|
| Exterior Material | Brick Veneer |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,761 sqft (0.269 acres) |
| Garage Type | Mixed |
| Garage Area | 500 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 3733 |
|---|---|
| Street Address | 813 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 26 & DUPLEX |
| Legal Subdivision | THE VILLAGE |
| Legal Lot Number | 26 |
| Jurisdiction | MONTGOMERY KY |
| Township / Civil Division | MOUNT STERLING |
| Census Block Group | 4 |
| Census Block | 4003 |
| Census Tract | 920302 |
Source: Montgomery County records, as of January 12, 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 | PO BOX 177, MOUNT STERLING, KY 40353-0177 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 23, 2005 · Amount on Record |
| Deed Sale | Aug 23, 2005 · Amount on Record |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY KY |
| Property Address | 813 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 4, 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 3, 2046 |
Source: Montgomery County assessment roll, as of April 1, 2025
| 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 | $1,304.00 (+0.85%) | $132,000 (-) | $132,000 (-) |
| 2023 | $1,293.00 | $132,000 | $132,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | 0.03% 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 217 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: AT&T, T-Mobile.
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