548 Gartrell St, Ashland, KY 41101 Property Records

Boyd County property record for 548 Gartrell St, Ashland, KY 41101

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,073 sqft · built 1945
Lot Size	0.143 acres (6,250 sqft)
Owner	Individual Name on Record
Last Sale	$105,000 (Aug 2025)
Tax Bill	$530 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`039-06-10-001.00`

Property Details

APN / Parcel Number

Primary APN	`039-06-10-001.00`
Alternative APN	`269761`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,073 sqft Living Area
Gross Area	288 sqft
Basement Area	1,073 sqft
Unfinished Basement	1,073 sqft
Family Room	Family Room

Exterior

Year Built	Built 1945
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,250 sqft (0.143 acres)
Lot Dimensions	125 ft deep x 50 ft wide
Garage Type	Detached
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	126 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Other
Heating System	Other
Sewer	Connected

Location & Zoning

Account Number	269761
Street Address	548 GARTRELL ST
City	ASHLAND
State	KY
Zip	41101-5134
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIAL
Legal Description	LOT 20 BLOCK 3 GARTRELL ADDITION
Legal Subdivision	GARTRELL ADDITION
Legal Block	3
Legal Lot Number	20
Jurisdiction	BOYD KY
Township / Civil Division	ASHLAND
Census Block Group	1
Census Block	1038
Census Tract	30400

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2208 BROADWAY ST, CATLETTSBURG, KY 41129-1226
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 20, 2025 · Amount on Record
Deed Sale	Aug 20, 2025 · Amount on Record
Prior Sale	Apr 4, 2023 · Amount on Record
Deed Document Number	10037610
Deed Book / Page	871 / 184
Record Updated	Jun 8, 2026

April 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	BOYD KY
Recording Date	Apr 4, 2023
Property Address	548 GARTRELL ST, ASHLAND, KY 41101-5134
Document Number	0000849/35
Book / Page	849 / 35
Instrument Date	Mar 31, 2023
Instrument	10019115
Transaction Type	Transfer
Record Updated	May 8, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$75.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2049 FOREST AVE, ASHLAND, KY 41101-3724

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8415 LA MESA BLVD, LA MESA, CA 91942-5326

Mortgage

Document Number	0010019116
Date	Apr 4, 2023
Instrument	10019116

Lender

Name	VERNON HOLBROOK JR ETUX
Type	Seller

Agreement

Type	Seller Carry-Back
Amount	Amount Recorded
Term	36 Months
Due	Apr 1, 2026

Tax Assessment & Valuation

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	$530.00 (+95.57%)	$75,000 (+1%) Land $10,000 Building $65,000	$75,000 (+1%) Land $10,000 Building $65,000
2023	$271.00	$37,500 Land $37,500	$37,500 Land $37,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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 Record 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	Severe, Storms, Flooding, Landslides, And Mudslides, Mar 2021 · 2 claims Severe Storms, Tornadoes, And Flooding, May 2011 · 2 claims Severe Storm, Flooding, And Tornadoes, Mar 1997 · 3 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

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.

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
Also Mapped Here	HECLA WATER ASSOCIATION
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 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