Boyd County property record for 650 Gartrell St, Ashland, KY 41101
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,456 sqft · built 1928 |
| Lot Size | 0.143 acres (6,250 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $147,900 (Nov 2025) |
| Tax Bill | $451 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Nov 2025 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 039-06-09-009.00 |
| Primary APN | 039-06-09-009.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,456 sqft Living Area |
| Basement Area | 784 sqft |
| Finished Basement | 784 sqft |
| Family Room | Family Room |
| Year Built | Built 1928 |
|---|---|
| Effective Year Built | Effective 1928 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 6,250 sqft (0.143 acres) |
| Lot Dimensions | 125 ft deep x 50 ft wide |
| Driveway | Asphalt Driveway |
| Porch | Slab |
| Porch Area | 242 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Account Number | 723681 |
|---|---|
| Street Address | 650 GARTRELL ST |
| City | ASHLAND |
| State | KY |
| Zip | 41101-5136 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIA |
| Legal Description | LOT 21 BLOCK 7 GARTRELL REALTY CO ADDITION |
| Legal Subdivision | REALTY CO ADDITION |
| Legal Block | 7 |
| Legal Lot Number | 21 |
| Jurisdiction | BOYD KY |
| Township / Civil Division | ASHLAND |
| Census Block Group | 1 |
| Census Block | 1041 |
| Census Tract | 30400 |
Source: Boyd County records, as of August 11, 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 | 650 GARTRELL ST, ASHLAND, KY 41101-5136 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
| Date | Document |
|---|---|
| Jul 29, 2026 | Deed of Trust, Mortgage · Conventional Mortgage MEMBERS CHOICE CREDIT UNION |
| Nov 20, 2025 | Deed, Transfer |
| Nov 6, 2019 | Deed of Trust, Mortgage · FmHA Mortgage KENTUCKY FARMERS BANK CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 20, 2025 · Amount on Record |
| Deed Sale | Nov 20, 2025 · Amount on Record |
| Prior Sale | Jan 3, 2017 · Amount on Record |
| Deed Document Number | 202510039908 |
| Deed Book / Page | 873 / 771 |
| Prior Transfer Date | Dec 20, 2016 |
| Prior Transfer Doc | 00D787/181 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BOYD KY |
| Recording Date | Jul 29, 2026 |
| Property Address | 650 GARTRELL ST, ASHLAND, KY 41101-5136 |
| Document Number | 0010045111 |
| Book / Page | 1624 / 593 |
| Instrument Date | Jul 24, 2026 |
| Instrument | 202610045111 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 650 GARTRELL ST, ASHLAND, KY 41101-5136 |
| Document Number | 0010045111, |
|---|---|
| Date | Jul 29, 2026 |
| Book Page | 1624/593 |
| Instrument | 202610045111 |
| Name | MEMBERS CHOICE CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.5% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | BOYD KY |
| Recording Date | Nov 20, 2025 |
| Property Address | 650 GARTRELL ST, ASHLAND, KY 41101-5136 |
| Document Number | 000873/772 |
| Book / Page | 873 / 772 |
| Instrument Date | Nov 19, 2025 |
| Instrument | 10039908 |
| Transaction Type | Transfer |
| Record Updated | Dec 3, 2025 |
| Amount | Amount Recorded |
|---|---|
| Tax | $148.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 425 3RD AVE, WORTHINGTON, KY 41183 |
| Name | Verified Name |
|---|---|
| Address | 650 GARTRELL ST, ASHLAND, KY 41101-5136 |
| Mail Care Of | JAMI SHAVERS |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BOYD KY |
| Property Address | 650 GARTRELL ST, ASHLAND, KY 41101-5136 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | M1417/347 |
|---|---|
| Date | Nov 6, 2019 |
| Book Page | M1417/347 |
| Instrument | 9826623 |
| Name | KENTUCKY FARMERS BANK CORP |
|---|---|
| Type | Bank |
| Address | ASHLAND, KY 41102 |
| Type | FmHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Oct 28, 2034 |
Source: Boyd County assessment roll, as of January 23, 2026
| 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 | $451.00 (-1.31%) | $70,000 (-) Land $10,000 Building $60,000 | $70,000 (-) Land $10,000 Building $60,000 |
| 2024 | $457.00 (-1.08%) | $70,000 (-) Land $10,000 Building $60,000 | $70,000 (-) Land $10,000 Building $60,000 |
| 2023 | $462.00 | $70,000 Land $10,000 Building $60,000 | $70,000 Land $10,000 Building $60,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 92% 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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