Boyd County property record for 1909 State St, Ashland, KY 41101
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,092 sqft · built 1974 |
| Lot Size | 0.54 acres (23,522 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $76,250 (Sep 2019) |
| Tax Bill | $487 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Sep 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 031-01-11-009.00 |
| Primary APN | 031-01-11-009.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,092 sqft Living Area |
| Basement Area | 1,092 sqft |
| Finished Basement | 1,092 sqft |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Exterior Material | Brick Veneer |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 23,522 sqft (0.54 acres) |
| Garage Type | Attached |
| Driveway | Asphalt Driveway |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 54 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 51878001 |
|---|---|
| Street Address | 1909 STATE ST |
| City | ASHLAND |
| State | KY |
| Zip | 41101-4933 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIA |
| Legal Description | LOTS 10 THRU 14 BLOCK 5 PINE GROVE ADDITION |
| Legal Subdivision | PINE GROVE ADDITION |
| Legal Block | 5 |
| Legal Lot Number | 10-11-1 |
| Jurisdiction | BOYD KY |
| Township / Civil Division | ASHLAND |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 30500 |
1909 State St is owned by two individuals who bought it in September 2019.
Source: Boyd County records, as of August 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 1546, PORTSMOUTH, OH 45662-1546 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 24, 2026 | Deed of Trust, Mortgage · Conventional Mortgage MEMBERS CHOICE CREDIT UNION |
| Sep 25, 2019 | Deed, Transfer · Conventional Mortgage DESCO FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 25, 2019 · Amount on File |
| Deed Sale | Sep 25, 2019 · Amount on File |
| Deed Document Number | 20199824654 |
| Deed Book / Page | 813 / 161 |
| Prior Transfer Date | Sep 24, 2019 |
| Prior Transfer Doc | 00D813/161 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BOYD KY |
| Recording Date | Jul 24, 2026 |
| Property Address | 1909 STATE ST, ASHLAND, KY 41101-4933 |
| Document Number | 0010044984 |
| Book / Page | 1624 / 418 |
| Instrument Date | Jul 20, 2026 |
| Instrument | 202610044984 |
| Transaction Type | Mortgage |
| Record Updated | Aug 6, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1909 STATE ST, ASHLAND, KY 41101-4933 |
| Document Number | 0010044984, |
|---|---|
| Date | Jul 24, 2026 |
| Book Page | 1624/418 |
| Instrument | 202610044984 |
| Name | MEMBERS CHOICE CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.5% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | BOYD KY |
| Recording Date | Sep 25, 2019 |
| Property Address | 1909 STATE ST, ASHLAND, KY 41101-4933 |
| Document Number | 00D813/161 |
| Book / Page | D813 / 161 |
| Map Reference | MB 97 PG 564 |
| Instrument Date | Sep 24, 2019 |
| Instrument | 9824654 |
| Transaction Type | Transfer |
| Record Updated | Jan 4, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $76.50 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 1619 LEXINGTON AVE, 1619, ASHLAND, KY 41101-2744 |
| Name | Verified Name |
|---|---|
| Address | 1909 STATE ST, ASHLAND, KY 41101-4933 |
| Document Number | 00M1414250 |
|---|---|
| Date | Sep 25, 2019 |
| Instrument | M1414/250 |
| Name | DESCO FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Oct 1, 2034 |
The 2025 property tax bill for 1909 State St was $487.
Source: Boyd County assessment roll, as of January 23, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Boyd County |
| Municipality | Ashland City |
| Unified School District | Ashland Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $487.00 | $76,250 Land $15,000 Building $61,250 | $76,250 Land $15,000 Building $61,250 |
| 2023 | $499.00 | $76,250 Land $15,000 Building $61,250 | $76,250 Land $15,000 Building $61,250 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1909 State St in Zone X, an area of minimal flood risk.
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 risk around 1909 State St is low, with a 0.01% annual chance of 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 575 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 · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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