Boyd County property record for 2222 Stephens St, Ashland, KY 41101
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,118 sqft |
| Lot Size | 0.329 acres (14,355 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $629 (2025) |
| Deeds & Mortgages | May 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 031-09-16-001.00 |
| Primary APN | 031-09-16-001.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,118 sqft Living Area |
| Basement Area | 2,118 sqft |
| Unfinished Basement | 2,118 sqft |
| Exterior Material | Brick |
|---|---|
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 14,355 sqft (0.329 acres) |
| Lot Dimensions | 98.8 ft deep x 145 ft wide |
| Garage Type | Basement |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 496811 |
|---|---|
| Street Address | 2222 STEPHENS ST |
| City | ASHLAND |
| State | KY |
| Zip | 41101-3570 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIAL |
| Legal Description | 145X98.83XIRR LOTS 31 & 32 |
| Legal Lot Number | S31-32 |
| Jurisdiction | BOYD KY |
| Township / Civil Division | ASHLAND |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 30800 |
2222 Stephens St is owned and occupied by two individuals.
Source: Boyd County records, as of January 22, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2222 STEPHENS ST, ASHLAND, KY 41101-3570 |
| Occupancy | Owner Occupied |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BOYD KY |
| Recording Date | May 28, 2026 |
| Property Address | 2222 STEPHENS ST, ASHLAND, KY 41101-3570 |
| Document Number | 0010043665 |
| Book / Page | 1618 / 514 |
| Instrument Date | May 18, 2026 |
| Instrument | 202610043665 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 2222 STEPHENS ST, ASHLAND, KY 41101-3570 |
| Document Number | 0010043665, |
|---|---|
| Date | May 28, 2026 |
| Book Page | 1618/514 |
| Instrument | 202610043665 |
| Name | COMMUNITY TRUST BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.63% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
The 2025 property tax bill for 2222 Stephens St was $629 with a homeowner's exemption.
Source: Boyd County assessment roll, as of April 1, 2025
| 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 | $629.00 Homeowner's exemption | $150,000 Land $20,000 Building $130,000 | $150,000 Land $20,000 Building $130,000 |
| 2023 | $661.00 Homeowner's exemption | $150,000 Land $20,000 Building $130,000 | $150,000 Land $20,000 Building $130,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2222 Stephens 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.
The area around 2222 Stephens St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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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