3540 Willis St, Ashland, KY 41102 Property Records

Boyd County property record for 3540 Willis St, Ashland, KY 41102

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,836 sqft
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on File
Last Sale	$189,500 (Jul 2026)
Tax Bill	$475 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`031-19-08-004.00`

Property Details

APN / Parcel Number

Primary APN	`031-19-08-004.00`
Alternative APN	`193001`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Building Area	1,836 sqft Living Area
Gross Area	264 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Architectural Style	Split Level
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Driveway	Concrete Driveway

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	193001
Street Address	3540 WILLIS ST
City	ASHLAND
State	KY
Zip	41102-5871
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	LOT 21A EDGEWOOD SUBDIVISION
Legal Subdivision	A EDGEWOOD SUBITION
Legal Lot Number	21-A
Jurisdiction	BOYD KY
Township / Civil Division	ASHLAND
Census Block Group	2
Census Block	2022
Census Tract	30600

Owner

Source: Boyd County assessment roll, 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	2 Individual Names on File
Mailing Address	394 SNOW FALLS LN, DAYTON, TN 37321-4773
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 13, 2026 · Amount on Record
Deed Sale	Jul 13, 2026 · Amount on Record
Deed Document Number	202610044721
Deed Book / Page	879 / 775
Prior Transfer Date	Jun 30, 2026
Prior Transfer Doc	0010044721
Record Updated	Sep 20, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	BOYD KY
Recording Date	Jul 13, 2026
Property Address	3540 WILLIS ST, ASHLAND, KY 41102-5871
Document Number	0010044721
Book / Page	879 / 775
Instrument Date	Jun 30, 2026
Instrument	202610044721
Transaction Type	Transfer
Record Updated	Jul 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$19,139.50
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	394 SNOW FALLS LN, DAYTON, TN 37321-4773

Mortgage

Document Number	0010044722,
Date	Jul 13, 2026
Book Page	1623/108
Instrument	202610044722

Lender

Name	COMMUNITY TRUST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.88%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

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	$475.00 (-5.57%) Homeowner's exemption	$123,200 (-) Land $10,000 Building $113,200	$123,200 (-) Land $10,000 Building $113,200
2023	$503.00 Homeowner's exemption	$123,200 Land $10,000 Building $113,200	$123,200 Land $10,000 Building $113,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 93% of the US · lower than 92% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 195 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Uniti Group Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile USA.

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