4349 Willard Dr, Ashland, KY 41102 Property Records

Boyd County property record for 4349 Willard Dr, Ashland, KY 41102

Property Summary

Property Type	Single Family Home
Details	1,134 sqft · built 1985
Lot Size	0.132 acres (5,760 sqft)
Owner	2 Individual Names on File
Last Sale	$154,000 (May 2024)
Tax Bill	$2,173 (2025)
Deeds & Mortgages	Jan 2023 Mortgage Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`023-01-00-012.00`

Property Details

APN / Parcel Number

Primary APN	`023-01-00-012.00`
Alternative APN	`764451`

Interior

Stories	1 Story
Building Area	1,134 sqft Living Area

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	5,760 sqft (0.132 acres)
Lot Dimensions	120 ft deep x 48 ft wide
Garage Type	Carport
Carport	Carport
Driveway	Gravel Driveway

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	764451
Street Address	4349 WILLARD DR
City	ASHLAND
State	KY
Zip	41102-9168
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	LOT 8 & PART OF LOT 9
Legal Subdivision	NEWMAN
Legal Lot Number	8,9
Jurisdiction	BOYD KY
Township / Civil Division	ASHLAND
Census Block Group	4
Census Block	4047
Census Tract	30900

Owner

4349 Willard Dr is owned and occupied by two individuals who bought it in May 2024.

Source: Boyd County records, as of August 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4349 WILLARD DR, ASHLAND, KY 41102-9168
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2023	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Aug 15, 2017	Deed of Trust, Mortgage · Conventional Mortgage DESCO FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 2, 2024 · Amount on File
Deed Sale	May 2, 2024 · Amount on File
Prior Sale	Jan 4, 2023 · Amount on File
Deed Document Number	202410027535
Deed Book / Page	859 / 166
Record Updated	Sep 20, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOYD KY
Property Address	4349 WILLARD DR, ASHLAND, KY 41102-9168
Transaction Type	Mortgage
Record Updated	Jan 23, 2023
Title Company	BLUEGRASS LAND TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1444 HUFF RUN RD, ASHLAND, OH 44805

Mortgage

Document Number	001526/567
Date	Jan 4, 2023
Book Page	1526/567
Instrument	10016705

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2053

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOYD KY
Property Address	4349 WILLARD DR, ASHLAND, KY 41102-9168
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1361/688
Date	Aug 15, 2017
Book Page	M1361/688
Instrument	762816

Lender

Name	DESCO FCU
Type	Credit Union
Address	PORTSMOUTH, OH 45662

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 4349 Willard Dr was $2,173.

Source: Boyd County assessment roll, as of January 23, 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Boyd County
Unified School District	Boyd County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,173.00	$154,000 Land $15,000 Building $139,000	$154,000 Land $15,000 Building $139,000
2023	$1,698.00	$119,900 Land $15,000 Building $104,900	$119,900 Land $15,000 Building $104,900

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

Flood

FEMA maps place 4349 Willard Dr in Zone X, an area of minimal flood risk, though there have been 21 flood claims nearby since 1996.

Source: FEMA National Flood Hazard Layer, effective October 15, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	21 (1996–2020)
Claims Outside the SFHA	8 of 21
Most Recent Claim	Jul 2020 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, And Flooding, May 2011 · 2 claims Severe Storms And Flooding, Mar 2002 · 5 claims Severe Storm, Flooding, And Tornadoes, Mar 1997 · 5 claims

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

Wildfire risk around 4349 Willard Dr is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

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 cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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 69 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
Armstrong Cable	1,000 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum.

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