Montgomery County, KY zoning map, flood zone and property lines by address
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Towns in Montgomery County: Mount Sterling, Jeffersonville, Camargo.
Flood zone by address
ParcelSheet reads FEMA's National Flood Hazard Layer at the lot: the zone, whether it is a high risk area where lenders ask for flood insurance, and the base flood elevation where FEMA lists one. FEMA's countywide study for Montgomery County has 21 FIRM panels, the newest effective February 2025; no coastal V zones are mapped in it.
The official panel and any Letter of Map Amendment are at FEMA's Map Service Center. An elevation certificate for a Montgomery house comes from a licensed surveyor and is often on file with the county or city building office.
Property lines
The parcel outline, parcel number and mapped size come from the Kentucky county parcel layers (each county publishes its own), so a Montgomery lot shows the same lines the county property valuation administrator draws. Montgomery County covers about 126,321 acres of land and 935 acres of water.
Mapped lines are approximate. The Montgomery County property valuation administrator keeps the parcel record (Montgomery County website); a licensed surveyor sets the true corners.
Zoning
Montgomery County zones its unincorporated land, and Mount Sterling, Jeffersonville, Camargo each zone the land inside their limits. ParcelSheet shows the use the county property valuation administrator lists for the lot and links the planning and zoning office for the county for the district, the uses it allows and the lot size it needs.
ADU and guest houses
Under Kentucky's planning and zoning law (Kentucky Revised Statutes Chapter 100), local governments can allow an accessory dwelling unit on a lot with a house. Whether a Montgomery lot can add one depends on its district; the planning and zoning office for the county has the rule. ParcelSheet shows the mapped lot size and the ground's slope, the first two things the question turns on.
Septic and soil
ParcelSheet reads the USDA soil survey at the lot: the soil's name, its septic absorption rating and whether it is prime farmland. Montgomery County is soil survey area KY173, Montgomery County, Kentucky, last updated September 2026, on Web Soil Survey.
A new or changed septic system in Montgomery County needs a permit from the Montgomery County health department (Kentucky Department for Public Health onsite sewage program).
Setbacks
Setbacks in Montgomery County come from the zoning district: the front, side and rear distances a house must keep. ParcelSheet does not draw setback lines; the county zoning office gives them for the lot's district, and Mount Sterling, Jeffersonville, Camargo for land inside their limits.
Hazards that apply
- Wetlands and wildfire. ParcelSheet shows the National Wetlands Inventory near a Montgomery lot and the Forest Service wildfire hazard rating at it.
Questions
Is my house in a flood zone in Montgomery County?
Type the address in the box above and ParcelSheet reads FEMA's flood zone at the lot's center. FEMA's countywide flood map for Montgomery County has 21 panels, the newest effective February 2025. A lender or insurer uses the official FIRM panel; FEMA's Map Service Center has it.
How do I find property lines in Montgomery County?
Open the Kentucky map, type the address, and the parcel outline from the Montgomery County property valuation administrator shows on the map with its parcel number and mapped size. Mapped lines are approximate; only a licensed surveyor sets the true corners.
What is my property zoned in Montgomery County?
Zoning in Montgomery County is set by the county for unincorporated land and by each city (such as Mount Sterling, Jeffersonville) inside its own limits. ParcelSheet shows the use code the county property valuation administrator lists and links the office that sets the zoning; the planning office has the final word.
Can I build an ADU in Montgomery County?
Under Kentucky's planning and zoning law (Kentucky Revised Statutes Chapter 100), counties and cities can allow an accessory dwelling unit, and each sets its own rules. In Montgomery County ask the zoning office for the lot's district first; ParcelSheet shows the lot size as mapped so you can see the room you have.
Do I need a septic permit in Montgomery County?
Yes. A new or changed septic system in Montgomery County needs a permit from the Montgomery County health department (Kentucky Department for Public Health onsite sewage program). ParcelSheet shows the USDA soil survey's septic rating at the lot, from survey area KY173 (Montgomery County, Kentucky).
What can I build on 5 acres in Montgomery County?
Zoning in Montgomery County is set by the county for unincorporated land and each city inside its own limits (such as Mount Sterling, Jeffersonville). The zoning district decides the uses, how many homes and the smallest lot it allows on 5 acres. ParcelSheet shows the lot size as mapped and the use code on the parcel record; the planning office has the district and its rules. See the Montgomery County website.
What are the residential setbacks in Montgomery County (2026)?
Setbacks in Montgomery County come from the zoning code of the county, or of the city when the lot is inside city limits: the front, side and rear distances depend on the lot's district. ParcelSheet does not draw setback lines or give a number it did not read; the zoning office gives them for the district. See the Montgomery County website.
Next to Montgomery County: Bath County, Bourbon County, Clark County, Menifee County, Powell County.
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