Boyd County property record for 2103 Phelps Ave, Ashland, KY 41101
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba |
| Lot Size | 0.279 acres (12,160 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $27,000 (Jul 2024) |
| Tax Bill | $83 (2025) |
| Deeds & Mortgages | Oct 2021 Transfer Nov 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 031-12-01-001.00 |
| Primary APN | 031-12-01-001.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Family Room | Family Room |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,160 sqft (0.279 acres) |
| Lot Dimensions | 160 ft deep x 76 ft wide |
| Driveway | Concrete Driveway |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 726221 |
|---|---|
| Street Address | 2103 PHELPS AVE |
| City | ASHLAND |
| State | KY |
| Zip | 41101-4652 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIA |
| Legal Description | PART OF LOT 79 & 79A BELMONT PLACE SUBDIVISION |
| Legal Subdivision | BELMONT PLACE SUBITION |
| Legal Lot Number | 79-79A |
| Jurisdiction | BOYD KY |
| Township / Civil Division | ASHLAND |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 30700 |
Source: Boyd County records, as of January 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 2208 BROADWAY ST, CATLETTSBURG, KY 41129-1226 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
| Date | Document |
|---|---|
| Oct 5, 2021 | Intrafamily Transfer, Transfer |
| Nov 22, 2017 | Deed of Trust, Mortgage · ARM TOWN SQUARE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 30, 2024 · Amount on Record |
| Deed Sale | Jul 30, 2024 · Amount on Record |
| Deed Document Number | 202410029285 |
| Deed Book / Page | 861 / 406 |
| Prior Transfer Date | Oct 5, 2021 |
| Prior Transfer Doc | 00D832/607 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BOYD KY |
| Recording Date | Oct 5, 2021 |
| Property Address | 2103 PHELPS AVE, ASHLAND, KY 41101-4652 |
| Document Number | 00D832/607 |
| Book / Page | D832 / 607 |
| Map Reference | MB 113 PG 550 |
| Instrument Date | Oct 5, 2021 |
| Instrument | 10005468 |
| Transaction Type | Transfer |
| Record Updated | Jan 4, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 2103 PHELPS AVE, ASHLAND, KY 41101-4652 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BOYD KY |
| Property Address | 2103 PHELPS AVE, ASHLAND, KY 41101-4652 |
| Transaction Type | Mortgage |
| Record Updated | Dec 1, 2017 |
| Name | Verified Name |
|---|
| Document Number | , 781436 |
|---|---|
| Date | Nov 22, 2017 |
| Book Page | M1369/311 |
| Instrument | 781436 |
| Name | TOWN SQUARE BANK |
|---|---|
| Type | Bank |
| Address | ASHLAND, KY 41105 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 1, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.99% |
| Type Change Date | Dec 1, 2022 |
| Change Frequency | Annually |
| Min Rate At Change | 3.5% |
| Max Rate At Change | 5.99% |
| Index | 1-Year T-Bill |
| Max Rate | 9.99% |
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 | $83.00 (-17%) Homeowner's exemption | $55,000 (-) Land $10,000 Building $45,000 | $55,000 (-) Land $10,000 Building $45,000 |
| 2023 | $100.00 Homeowner's exemption | $55,000 Land $10,000 Building $45,000 | $55,000 Land $10,000 Building $45,000 |
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 October 15, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2024) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2024 · other causes |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.2% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 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 567 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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