Martin County property record for 3909 Coldwater Rd, Inez, KY 41224
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,827 sqft · built 1978 |
| Lot Size | 12 acres (523,155 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $208,000 (Apr 2026) |
| Tax Bill | $954 (2025) |
| Deeds & Mortgages | Jul 2012 Mortgage Apr 2026 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 038-00-00-123.00 |
| Primary APN | 038-00-00-123.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,827 sqft Living Area |
| Family Room | Family Room |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 523,155 sqft (12 acres) |
| Garage Area | 567 sqft |
| Driveway | Asphalt Driveway |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 208 sqft |
| Cooling System | Central |
|---|
| Street Address | 3909 COLDWATER RD |
|---|---|
| City | INEZ |
| State | KY |
| Zip | 41224 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 12.01 ACRES & IMP |
| Jurisdiction | MARTIN KY |
| Township / Civil Division | INEZ |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 950201 |
3909 Coldwater Rd is owned and occupied by two individuals who bought it in April 2026.
Source: Martin County records, as of May 19, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3909 COLDWATER RD, INEZ, KY 41224 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Jul 18, 2012 | Deed of Trust, Mortgage POLARIS HOME FUNDING CORP |
| Apr 30, 2026 | Deed of Trust, Mortgage · FHA Mortgage STONE MORTGAGE CORPORATION |
| Apr 30, 2026 | Warranty Deed, Transfer · FHA Mortgage STONE MORTGAGE CORPORATION |
| Jul 18, 2012 | Deed, Transfer POLARIS HOME FUNDING CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 30, 2026 · Amount on File |
| Deed Sale | Apr 30, 2026 · Amount on File |
| Prior Sale | Jul 18, 2012 · Amount on File |
| Deed Document Number | 2026119425 |
| Deed Book / Page | 216 / 592 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARTIN KY |
| Property Address | 3909 COLDWATER RD, INEZ, KY 41224 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000135/288 |
|---|---|
| Date | Jul 18, 2012 |
| Book Page | 135/288 |
| Instrument | 72283 |
| Name | POLARIS HOME FUNDING CORP |
|---|---|
| Type | Lending Institution |
| Address | 44TH ST SW, GRANDVILLE, MI 49418 |
| Amount | Amount on Record |
|---|---|
| Term | 361 Months |
| Due | Aug 1, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MARTIN KY |
| Recording Date | Apr 30, 2026 |
| Property Address | 3909 COLDWATER RD, INEZ, KY 41224 |
| Document Number | 0000119429 |
| Book / Page | 171 / 768 |
| Instrument Date | Mar 20, 2026 |
| Instrument | 2026119429 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | MASTER TITLE AGENCY, EASTERN TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 252 MOORE BR, INEZ, KY 41224-8619 |
| Document Number | 0000119429, |
|---|---|
| Date | Apr 30, 2026 |
| Book Page | 171/768 |
| Instrument | 2026119429 |
| Name | STONE MORTGAGE CORPORATION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate | 6.01% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MARTIN KY |
| Recording Date | Apr 30, 2026 |
| Property Address | 3909 COLDWATER RD, INEZ, KY 41224 |
| Document Number | 0000119425 |
| Book / Page | 216 / 592 |
| Instrument Date | Mar 20, 2026 |
| Instrument | 2026.119425 |
| Transaction Type | Transfer |
| Record Updated | May 20, 2026 |
| Title Company | EAGLE TITLE AGENCY LLC, EAGLE TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $21,008.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Remainderman |
| Address | 3909 COLDWATER RD, INEZ, KY 41224 |
| Document Number | 0000119429, |
|---|---|
| Date | Apr 30, 2026 |
| Instrument | 2026.119429 |
| Name | STONE MORTGAGE CORPORATION |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | MARTIN KY |
| Recording Date | Jul 18, 2012 |
| Property Address | 3909 COLDWATER RD, INEZ, KY 41224 |
| Document Number | 000180/394 |
| Book / Page | 180 / 394 |
| Instrument Date | Jul 13, 2012 |
| Instrument | 72282 |
| Transaction Type | Transfer |
| Record Updated | Feb 3, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3909 COLDWATER RD, 3909, INEZ, KY 41224 |
| Name | Verified Name |
|---|---|
| Address | 3909 COLDWATER RD, INEZ, KY 41224 |
| Document Number | 000135/208 |
|---|---|
| Date | Jul 18, 2012 |
| Book Page | 135/208 |
| Instrument | 72283 |
| Name | POLARIS HOME FUNDING CORP |
|---|---|
| Type | Lending Institution |
| Address | 151 44TH ST SW, GRANDVILLE, MI 49418 |
| Amount | Amount on Record |
|---|---|
| Term | 361 Months |
| Due | Aug 1, 2042 |
The 2025 property tax bill for 3909 Coldwater Rd was $954 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 | $954.00 Homeowner's exemption | $175,000 Land $80,000 Building $95,000 | $175,000 Land $80,000 Building $95,000 |
| 2023 | $986.00 Homeowner's exemption | $175,000 Land $80,000 Building $95,000 | $175,000 Land $80,000 Building $95,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3909 Coldwater Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 15, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 1 (2021) |
| Most Recent Claim | Feb 2021 · Severe, Storms, Flooding, Landslides, And Mudslides |
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 3909 Coldwater Rd is high, ranking above 79% of the US, with a 0.6% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 79% of the US · above 92% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.6% annual chance |
| Exposure | Direct burnable vegetation |
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 2 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Optimum Cable | 940 / 35 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures