1812 Virgin Ave, Ashland, KY 41101 Property Records

Boyd County property record for 1812 Virgin Ave, Ashland, KY 41101

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,344 sqft · built 1945
Lot Size	0.124 acres (5,400 sqft)
Owner	2 Individual Names on Record
Last Sale	$164,900 (Jan 2024)
Tax Bill	$996 (2025)
Deeds & Mortgages	Jan 2024 Line of Credit Mar 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`038-02-08-022.00`

Property Details

APN / Parcel Number

Primary APN	`038-02-08-022.00`
Alternative APN	`461741`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,344 sqft Living Area
Basement Area	864 sqft
Finished Basement	864 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	5,400 sqft (0.124 acres)
Lot Dimensions	135 ft deep x 40 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	65 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	461741
Street Address	1812 VIRGIN AVE
City	ASHLAND
State	KY
Zip	41101-5073
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	LOT 4 JONES SUBDIVISION #1
Legal Subdivision	JONES SUBITION
Legal Lot Number	4
Jurisdiction	BOYD KY
Township / Civil Division	ASHLAND
Census Block Group	3
Census Block	3006
Census Tract	30500

Owner

Source: Boyd County records, as of April 2, 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	1812 VIRGIN AVE, ASHLAND, KY 41101-5073
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2024	Deed of Trust, Mortgage · Line of Credit ASHLAND CU
Mar 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage DESCO FCU
Mar 30, 2017	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DESCO FCU
Mar 11, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DESCO FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 30, 2024 · Amount on Record
Deed Sale	Jan 30, 2024 · Amount on Record
Prior Sale	Jul 12, 2022 · Amount on Record
Deed Document Number	202410025623
Deed Book / Page	857 / 14
Prior Transfer Date	Jan 24, 2024
Prior Transfer Doc	0010025559
Record Updated	Jun 8, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOYD KY
Property Address	1812 VIRGIN AVE, ASHLAND, KY 41101-5073
Transaction Type	Mortgage
Record Updated	Feb 20, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1515 MONTGOMERY AVE 2, 2, ASHLAND, KY 41101-2721

Mortgage

Document Number	001553/496
Date	Jan 30, 2024
Book Page	1553/496
Instrument	10025624

Lender

Name	ASHLAND CU
Type	Credit Union
Address	1300 CENTRAL AVE, ASHLAND, KY 41101

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOYD KY
Property Address	1812 VIRGIN AVE, ASHLAND, KY 41101-5073
Transaction Type	Mortgage
Record Updated	Mar 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001500/281
Date	Mar 1, 2022
Book Page	1500/281
Instrument	10009193

Lender

Name	DESCO FCU
Type	Credit Union
Address	PORTSMOUTH, OH 45662

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2037

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOYD KY
Property Address	1812 VIRGIN AVE, ASHLAND, KY 41101-5073
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1351/098
Date	Mar 30, 2017
Book Page	M1351/098
Instrument	753778

Lender

Name	DESCO FCU
Type	Credit Union
Address	PORTSMOUTH, OH 45662

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Mar 19, 2027

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOYD KY
Property Address	1812 VIRGIN AVE, ASHLAND, KY 41101-5073
Transaction Type	Mortgage
Record Updated	Mar 27, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1400/271
Date	Mar 11, 2019
Book Page	M1400/271
Instrument	9813931

Lender

Name	DESCO FCU
Type	Credit Union
Address	PORTSMOUTH, OH 45662

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	39 Months
Due	Jun 1, 2022

Tax Assessment & Valuation

Source: Boyd County assessment roll, as of January 23, 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Boyd County
Municipality	Ashland City
Unified School District	Ashland Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$996.00 (+98.01%)	$164,900 (+114.16%) Land $20,000 Building $144,900	$164,900 (+114.16%) Land $20,000 Building $144,900
2023	$503.00	$77,000 Land $10,000 Building $67,000	$77,000 Land $10,000 Building $67,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective October 15, 2023

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

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	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ASHLAND WATER WORKS serves 44,402 people · EPA ID KY0100011
Water Source	Surface water
Last State Inspection	Nov 2025
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2017 Haloacetic acids resolved · Oct 2016
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 422 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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