Boyd County property record for 545 Gartrell St, Ashland, KY 41101
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,077 sqft · built 1945 |
| Lot Size | 0.137 acres (6,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $80,000 (Mar 2018) |
| Tax Bill | $509 (2025) |
| Deeds & Mortgages | Apr 2021 Line of Credit Mar 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 039-06-06-009.00 |
| Primary APN | 039-06-06-009.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,077 sqft Living Area |
| Gross Area | 500 sqft |
| Year Built | Built 1945 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 6,000 sqft (0.137 acres) |
| Lot Dimensions | 120 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 500 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 48 sqft |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Floor/Wall Furnace |
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 805591 |
|---|---|
| Street Address | 545 GARTRELL ST |
| City | ASHLAND |
| State | KY |
| Zip | 41101-5133 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIAL |
| Legal Description | LOT-24 RANGE 2 GARTRELL REALTY CO ADDITION |
| Legal Subdivision | REALTY CO ADDITION |
| Legal Block | R.2 |
| Legal Lot Number | 24 |
| Jurisdiction | BOYD KY |
| Township / Civil Division | ASHLAND |
| Census Block Group | 1 |
| Census Block | 1038 |
| Census Tract | 30400 |
545 Gartrell St is owned and occupied by an individual who bought it in March 2018.
Source: Boyd County records, as of January 22, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 545 GARTRELL ST, ASHLAND, KY 41101-5133 |
| 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.
| Date | Document |
|---|---|
| Apr 19, 2021 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Mar 6, 2018 | Deed, Transfer · Conventional Mortgage PNC BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 6, 2018 · Amount on File |
| Deed Sale | Mar 6, 2018 · Amount on File |
| Prior Sale | Feb 20, 2007 · Amount on File |
| Deed Document Number | 798140 |
| Deed Book / Page | D798 / 432 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BOYD KY |
| Property Address | 545 GARTRELL ST, ASHLAND, KY 41101-5133 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2021 |
| Name | Verified Name |
|---|---|
| Address | 545 GARTRELL ST, ASHLAND, KY 41101-5133 |
| Document Number | M1465/311 |
|---|---|
| Date | Apr 19, 2021 |
| Book Page | M1465/311 |
| Instrument | 10000381 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | DAYTON, OH 45401 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Apr 4, 2061 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | BOYD KY |
| Recording Date | Mar 6, 2018 |
| Property Address | 545 GARTRELL ST, ASHLAND, KY 41101-5133 |
| Document Number | 00D798/432 |
| Book / Page | D798 / 432 |
| Instrument Date | Mar 5, 2018 |
| Instrument | 798140 |
| Transaction Type | Transfer |
| Record Updated | Jan 4, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $80.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6320 STATE ROUTE 5, 6320, ASHLAND, KY 41102-9427 |
| Name | Verified Name |
|---|---|
| Address | 545 GARTRELL ST, ASHLAND, KY 41101-5133 |
| Document Number | 0000798143 |
|---|---|
| Date | Mar 6, 2018 |
| Instrument | 798143 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2048 |
The 2025 property tax bill for 545 Gartrell St was $509.
Source: Boyd County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Boyd County |
| Municipality | Ashland City |
| Unified School District | Ashland Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $509.00 | $80,000 Land $15,000 Building $65,000 | $80,000 Land $15,000 Building $65,000 |
| 2023 | $521.00 | $80,000 Land $15,000 Building $65,000 | $80,000 Land $15,000 Building $65,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 545 Gartrell St in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1979.
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 |
| Flood Insurance Cost | Premium on File median of 13 policies |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 9 (1979–2021) |
| Claims Outside the SFHA | 3 of 9 |
| Most Recent Claim | Mar 2021 · Severe, Storms, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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 545 Gartrell St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 97.3% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 | ASHLAND WATER WORKS serves 44,402 people · EPA ID KY0100011 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Nov 2025 |
| Also Mapped Here | HECLA WATER ASSOCIATION |
| Lead | 2 ppb (2024–2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 288 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 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
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