604 Gartrell St, Ashland, KY 41101 Property Records

Boyd County property record for 604 Gartrell St, Ashland, KY 41101

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,120 sqft · built 1930
Lot Size	0.143 acres (6,250 sqft)
Owner	Individual Name on File
Last Sale	$75,000 (Dec 2012)
Tax Bill	$198 (2025)
Deeds & Mortgages	Mar 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`039-06-09-020.00`

Property Details

APN / Parcel Number

Primary APN	`039-06-09-020.00`
Alternative APN	`599351`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,120 sqft Living Area
Basement Area	1,120 sqft
Finished Basement	1,120 sqft

Exterior

Year Built	Built 1930
Exterior Material	Aluminum/Vinyl
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
Porch	Porch
Porch Area	274 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	599351
Street Address	604 GARTRELL ST
City	ASHLAND
State	KY
Zip	41101-5136
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIAL
Legal Description	LOT-9 RANGE 7 P-93 GARTRELL REALTY CO SUBDIVISION
Legal Subdivision	REALTY CO SUBITION
Legal Block	7
Legal Lot Number	9
Jurisdiction	BOYD KY
Township / Civil Division	ASHLAND
Census Block Group	1
Census Block	1041
Census Tract	30400

Owner

604 Gartrell St is owned and occupied by an individual who bought it in December 2012.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	604 GARTRELL ST, ASHLAND, KY 41101-5136
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 26, 2012 · Amount on File
Deed Sale	Dec 26, 2012 · Amount on File
Deed Document Number	671983
Deed Book / Page	D750 / 323
Record Updated	Jun 8, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOYD KY
Property Address	604 GARTRELL ST, ASHLAND, KY 41101-5136
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M1401/270
Date	Mar 26, 2019
Book Page	M1401/270
Instrument	9814775

Lender

Name	KENTUCKY FARMERS BANK CORP
Type	Bank
Address	ASHLAND, KY 41101

Agreement

Type	FmHA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 25, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 604 Gartrell St was $198 with a homeowner's exemption.

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	$198.00 Homeowner's exemption	$75,000 Land $10,000 Building $65,000	$75,000 Land $10,000 Building $65,000
2023	$218.00 Homeowner's exemption	$75,000 Land $10,000 Building $65,000	$75,000 Land $10,000 Building $65,000

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

Flood

FEMA maps place 604 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	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

Wildfire risk around 604 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.

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