4905 Powers Rd, Ashland, KY 41101 Property Records

Boyd County property record for 4905 Powers Rd, Ashland, KY 41101

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 3,748 sqft · built 1995
Lot Size	0.489 acres (21,323 sqft)
Owner	Individual Name on File
Last Sale	$393,500 (Nov 2021)
Tax Bill	$5,082 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit May 2025 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`039-13-02-028.04`

Property Details

APN / Parcel Number

Primary APN	`039-13-02-028.04`
Alternative APN	`528211`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	3,748 sqft Living Area
Gross Area	336 sqft
Basement Area	1,260 sqft
Unfinished Basement	1,260 sqft
Family Room	Family Room

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	21,323 sqft (0.489 acres)
Garage Type	Attached
Garage Area	336 sqft
Driveway	Concrete Driveway
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	64 sqft
Deck Area	1,400 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	528211
Street Address	4905 POWERS RD
City	ASHLAND
State	KY
Zip	41101-6911
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	LOT 4 PHILLIPS SUBDIVISION
Legal Subdivision	PHILLIPS SUBITION
Legal Phase	1
Legal Lot Number	4
Jurisdiction	BOYD KY
Township / Civil Division	ASHLAND
Census Block Group	2
Census Block	2032
Census Tract	30500

Owner

4905 Powers Rd is owned and occupied by an individual who acquired it in March 2025.

Source: Boyd County records, as of July 9, 2026

Owner of Record	Individual Name on File
Mailing Address	4905 POWERS RD, ASHLAND, KY 41101-6911
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

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
Jul 1, 2026	Deed of Trust, Mortgage · Line of Credit MORTGAGE MORTGAGE
May 2, 2025	Intrafamily Transfer, Transfer
Nov 2, 2021	Deed, Transfer · Conventional Mortgage CITY NATIONAL BANK OF WEST VIRGINIA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 2, 2021 · Amount on File
Deed Sale	Nov 2, 2021 · Amount on File
Deed Document Number	202110006354
Deed Book / Page	833 / 425
Last Transfer Date	Mar 31, 2025
Transfer Doc	000868/111
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOYD KY
Recording Date	Jul 1, 2026
Property Address	4905 POWERS RD, ASHLAND, KY 41101-6911
Document Number	0010044506
Book / Page	1622 / 40
Instrument Date	Jun 23, 2026
Instrument	202610044506
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4905 POWERS RD, ASHLAND, KY 41101-6911

Mortgage

Document Number	0010044506,
Date	Jul 1, 2026
Book Page	1622/40
Instrument	202610044506

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jun 23, 2041

Interest

Rate	5.87%
Max Rate	-1%

May 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BOYD KY
Recording Date	May 2, 2025
Property Address	4905 POWERS RD, ASHLAND, KY 41101-6911
Document Number	000868/111
Book / Page	868 / 111
Map Reference	MB 28 PG 29
Instrument Date	Mar 31, 2025
Instrument	10035157
Transaction Type	Transfer
Record Updated	Jan 23, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4905 POWERS RD, ASHLAND, KY 41101-6911

November 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	BOYD KY
Recording Date	Nov 2, 2021
Property Address	4905 POWERS RD, ASHLAND, KY 41101-6911
Document Number	833/425
Book / Page	833 / 425
Map Reference	MB 442 PG 694
Instrument Date	Oct 29, 2021
Instrument	10006354
Transaction Type	Transfer
Record Updated	Nov 17, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$393.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	4905 POWERS RD, ASHLAND, KY 41101-6911

Mortgage

Document Number	10006355
Date	Nov 2, 2021
Instrument	10006355

Lender

Name	CITY NATIONAL BANK OF WEST VIRGINIA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Nov 1, 2028
Change Frequency	Annually
Min Rate At Change	2.87%
Max Rate At Change	5.25%
Index	1-Year CMT
Max Rate	7.25%

Tax Assessment & Valuation

The 2025 property tax bill for 4905 Powers Rd was $5,082.

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	$5,082.00	$393,500 Land $20,000 Building $373,500	$393,500 Land $20,000 Building $373,500
2023	$5,065.00	$393,500 Land $20,000 Building $373,500	$393,500 Land $20,000 Building $373,500

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

Flood

FEMA maps place 4905 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 4905 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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