8122 Ray Dr, Ashland, KY 41102 Property Records

Boyd County property record for 8122 Ray Dr, Ashland, KY 41102

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,000 sqft · built 1975
Lot Size	0.258 acres (11,250 sqft)
Owner	Individual Name on File
Last Sale	$94,000 (Mar 2021)
Tax Bill	$1,346 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`024-04-00-118.00`

Property Details

APN / Parcel Number

Primary APN	`024-04-00-118.00`
Alternative APNs	`81254001` `812541`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,000 sqft Living Area
Basement Area	1,000 sqft
Finished Basement	1,000 sqft

Exterior

Year Built	Built 1975
Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	11,250 sqft (0.258 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Deck Area	1,560 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	81254001
Street Address	8122 RAY DR
City	ASHLAND
State	KY
Zip	41102-9758
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIAL
Legal Description	LOT 74 ROCKDALE SUBDIVISION
Legal Subdivision	ROCKDALE SUBITION
Legal Lot Number	74
Jurisdiction	BOYD KY
Township / Civil Division	CANNONSBURG
Census Block Group	1
Census Block	1016
Census Tract	31101

Owner

8122 Ray Dr is owned and occupied by an individual who bought it in March 2021.

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

Owner of Record	Individual Name on File
Mailing Address	8122 RAY DR, ASHLAND, KY 41102-9758
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	Name on Deed
Last Sale	Mar 24, 2021 · Amount on File
Deed Sale	Mar 24, 2021 · Amount on File
Deed Document Number	9840163
Deed Book / Page	D826 / 323
Record Updated	Jun 8, 2026

March 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	BOYD KY
Recording Date	Mar 24, 2021
Property Address	8122 RAY DR, ASHLAND, KY 41102-9758
Document Number	00D826/323
Book / Page	D826 / 323
Map Reference	MB 28 PG 27
Instrument Date	Mar 19, 2021
Instrument	9840163
Transaction Type	Transfer
Record Updated	Jan 4, 2022
Title Company	NOT AVAILABLE, BESTITLE TITLE AGENCY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$94.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3563 MICHAELS CV, 3563, LEXINGTON, KY 40509-2029

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8122 RAY DR, ASHLAND, KY 41102-9758

Mortgage

Document Number	0009840164
Date	Mar 24, 2021
Instrument	9840164

Lender

Name	CITY NATIONAL BANK OF WEST VIRGINIA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.35%
Type Change Date	Apr 1, 2028
Change Frequency	Annually
Min Rate At Change	2.87%
Max Rate At Change	5.35%
Index	1-Year CMT
Max Rate	7.35%

Tax Assessment & Valuation

The 2025 property tax bill for 8122 Ray Dr was $1,346.

Source: Boyd County assessment roll, as of April 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Boyd County
Unified School District	Boyd County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,346.00	$94,000 Land $10,000 Building $84,000	$94,000 Land $10,000 Building $84,000
2023	$1,342.00	$94,000 Land $10,000 Building $84,000	$94,000 Land $10,000 Building $84,000

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

Flood

FEMA maps place 8122 Ray Dr in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2021.

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 26 policies
Nearby Flood Policies	26 in force
Nearby Flood Claims	4 (2021–2026)
Most Recent Claim	Mar 2026 · river or lake 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 8122 Ray Dr is low, with a 0.03% 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	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	CANNONSBURG WATER DISTRICT serves 8,953 people · EPA ID KY0100064
Water Source	Purchased surface water from several systems
Last State Inspection	Nov 2025
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 231 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
Armstrong Cable	1,000 / 20
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20