3908 Wallace St, Ashland, KY 41101 Property Records

Boyd County property record for 3908 Wallace St, Ashland, KY 41101

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,320 sqft · built 1950
Lot Size	0.657 acres (28,640 sqft)
Owner	2 Individual Names on File
Tax Bill	$63 (2025)
Deeds & Mortgages	Sep 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`038-02-07-007.00`

Property Details

APN / Parcel Number

Primary APN	`038-02-07-007.00`
Alternative APN	`530281`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,320 sqft Living Area

Exterior

Year Built	Built 1950
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	28,640 sqft (0.657 acres)
Lot Dimensions	160 ft deep x 179 ft wide
Porch	Porch
Porch Area	84 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	530281
Street Address	3908 WALLACE ST
City	ASHLAND
State	KY
Zip	41101-3171
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIAL
Legal Description	PART OF LOTS 3 & 4 GARTRELL REALTY CO ADDITION
Legal Subdivision	REALTY CO ADDITION
Legal Lot Number	1,2
Jurisdiction	BOYD KY
Township / Civil Division	ASHLAND
Census Block Group	3
Census Block	3005
Census Tract	30500

Owner

Source: Boyd County records · APN 038-02-07-007.00

Assessment roll updated April 1, 2025 · Last verified February 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	3908 WALLACE ST, ASHLAND, KY 41101-3171
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Jun 08, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOYD KY
Property Address	3908 WALLACE ST, ASHLAND, KY 41101-3171
Transaction Type	Mortgage
Record Updated	Sep 26, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1388/780
Date	Sep 07, 2018
Book Page	M1388/780
Instrument	9750141

Lender

Name	CITY NATIONAL BANK OF WEST VIRGINIA
Type	Bank
Address	ASHLAND, KY 41101

Agreement

Type	ARM
Amount	Amount Recorded
Term	240 Months
Due	Sep 01, 2038

Interest

Rate Type	Adjustable Rate
Rate	4.95%
Type Change Date	Sep 01, 2028
Change Frequency	Annually
Min Rate At Change	3.87%
Max Rate At Change	6.95%
Index	1-Year CMT
Max Rate	8.95%

Tax Assessment & Valuation

Source: Boyd County records · Assessment roll updated April 1, 2025 · Last verified February 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$63.00 (-21.25%) Homeowner's exemption	$51,500 (-) Land $6,000 Building $45,500	$51,500 (-) Land $6,000 Building $45,500
2023	$80.00 Homeowner's exemption Disabled Person's exemption	$51,500 Land $6,000 Building $45,500	$51,500 Land $6,000 Building $45,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 15, 2023 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Uniti Group Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

Based on FCC filings for 239 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ASHLAND WATER WORKS serves 44,402 people
Water Source	Surface water
Last State Inspection	Nov 2025
Also Mapped Here	HECLA WATER ASSOCIATION
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.