4851 Powers Rd, Ashland, KY 41101 Property Records

Boyd County property record for 4851 Powers Rd, Ashland, KY 41101

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,253 sqft · built 1995
Owner	2 Individual Names on File
Tax Bill	$1,447 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`039-13-02-028.02`

Property Details

APN / Parcel Number

Primary APN	`039-13-02-028.02`
Alternative APN	`425601`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,253 sqft Living Area
Gross Area	440 sqft
Basement Area	769 sqft
Finished Basement	769 sqft

Exterior

Year Built	Built 1995
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Garage Type	Basement
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	21 sqft
Deck Area	1,920 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Account Number	425601
Street Address	4851 POWERS RD
City	ASHLAND
State	KY
Zip	41101-6936
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIAL
Legal Description	LOT 2 PHILLIPS SUBDIVISION
Legal Subdivision	PHILLIPS SUBITION
Legal Phase	1
Legal Lot Number	2
Jurisdiction	BOYD KY
Township / Civil Division	ASHLAND
Census Block Group	2
Census Block	2032
Census Tract	30500

Owner

4851 Powers Rd is owned and occupied by two individuals.

Source: Boyd County records, as of January 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4851 POWERS RD, ASHLAND, KY 41101-6936
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 29, 2023	Deed of Trust, Mortgage · Line of Credit ASHLAND CU
Nov 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY TRUST BANK INC
Dec 28, 2020	Deed of Trust, Mortgage · Commercial Mortgage COMMUNITY TRUST BANK INC

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOYD KY
Property Address	4851 POWERS RD, ASHLAND, KY 41101-6936
Transaction Type	Mortgage
Record Updated	Sep 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M1543/186
Date	Aug 29, 2023
Book Page	M1543/186
Instrument	10022692

Lender

Name	ASHLAND CU
Type	Credit Union
Address	ASHLAND, KY 41101

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOYD KY
Property Address	4851 POWERS RD, ASHLAND, KY 41101-6936
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1450/25
Date	Nov 24, 2020
Book Page	M1450/25
Instrument	9837172

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank
Address	PIKEVILLE, KY 41502

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOYD KY
Property Address	4851 POWERS RD, ASHLAND, KY 41101-6936
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4851 POWERS RD, ASHLAND, KY 41101-6936

Mortgage

Document Number	M1454/221
Date	Dec 28, 2020
Book Page	M1454/221
Instrument	9837967

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank
Address	ASHLAND, KY 41101

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	240 Months
Due	Dec 10, 2040

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4851 Powers Rd was $1,447.

Source: Boyd County assessment roll, as of April 1, 2025

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	$1,447.00	$109,300 Land $15,000 Building $94,300	$109,300 Land $15,000 Building $94,300
2023	$1,443.00	$109,300 Land $15,000 Building $94,300	$109,300 Land $15,000 Building $94,300

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

Flood

FEMA maps place 4851 Powers Rd in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1978.

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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	8 (1978–2025)
Claims Outside the SFHA	5 of 8
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding

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 4851 Powers Rd 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 135 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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