Martin County property record for 314 Coldwater Rd, Inez, KY 41224
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,528 sqft · built 1979 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $90,000 (Oct 2009) |
| Tax Bill | $662 (2025) |
| Deeds & Mortgages | Aug 2026 Line of Credit Feb 2021 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 028-04-02-002.00 |
| Primary APN | 028-04-02-002.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,528 sqft Living Area |
| Family Room | Family Room |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Exterior Material | Brick Veneer |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,890 sqft (0.25 acres) |
| View / Lot | Flood Plain/Flood Zone |
| Garage Area | 300 sqft |
| Driveway | Asphalt Driveway |
| Parking Spaces | 1 Parking Space |
| Street Address | 314 COLDWATER RD |
|---|---|
| City | INEZ |
| State | KY |
| Zip | 41224-8702 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | .25 ACRE & IMP |
| Jurisdiction | MARTIN KY |
| Township / Civil Division | INEZ |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 950201 |
314 Coldwater Rd is owned and occupied by two individuals who bought it in October 2009.
Source: Martin County records, as of September 2, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 314 COLDWATER RD, INEZ, KY 41224-8702 |
| 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.
| Date | Document |
|---|---|
| Aug 21, 2026 | Deed of Trust, Mortgage · Line of Credit PEOPLES BANK |
| Feb 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PEOPLES BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 13, 2009 · Amount on File |
| Deed Sale | Oct 13, 2009 · Amount on File |
| Deed Book / Page | 173 / 180 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARTIN KY |
| Recording Date | Aug 21, 2026 |
| Property Address | 314 COLDWATER RD, INEZ, KY 41224-8702 |
| Document Number | 0000125916 |
| Book / Page | 172 / 589 |
| Instrument Date | Aug 6, 2026 |
| Instrument | 2026125916 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 314 COLDWATER RD, INEZ, KY 41224-8702 |
| Document Number | 0000125916, |
|---|---|
| Date | Aug 21, 2026 |
| Book Page | 172/589 |
| Instrument | 2026125916 |
| Name | PEOPLES BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Aug 23, 2046 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARTIN KY |
| Property Address | 314 COLDWATER RD, INEZ, KY 41224-8702 |
| Transaction Type | Mortgage |
| Record Updated | Mar 10, 2021 |
| Name | Verified Name |
|---|
| Document Number | M159/538 |
|---|---|
| Date | Feb 8, 2021 |
| Book Page | M159/538 |
| Instrument | 94166 |
| Name | PEOPLES BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Feb 23, 2031 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 314 Coldwater Rd was $662 with a homeowner's exemption.
Source: Martin County assessment roll, as of February 12, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Martin County |
| Unified School District | Martin County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $662.00 Homeowner's exemption | $90,000 Land $20,000 Building $70,000 | $90,000 Land $20,000 Building $70,000 |
| 2023 | $695.00 Homeowner's exemption | $90,000 Land $20,000 Building $70,000 | $90,000 Land $20,000 Building $70,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 314 Coldwater Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 15, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 22 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 22 in force |
| Nearby Flood Claims | 20 (2004–2025) |
| Claims Outside the SFHA | 8 of 20 |
| Most Recent Claim | Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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.
Wildfire risk around 314 Coldwater Rd is high, ranking above 76% of the US, with a 0.5% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 76% of the US · above 88% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.5% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | MARTIN CO WATER DISTRICT #1 serves 9,003 people · EPA ID KY0800273 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Apr 2024 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | Turbidity resolved · Nov 2023 Total trihalomethanes resolved · Apr 2017 Haloacetic acids resolved · Apr 2017 |
|---|---|
| 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 74 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Cable | 940 / 35 |
| Starlink Satellite | 280 / 30 |
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