Boyd County property record for 824 Gartrell St, Ashland, KY 41101
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,047 sqft · built 1930 |
| Lot Size | 0.07 acres (3,131 sqft) |
| Owner | Individual Name on File |
| Last Sale | $85,000 (Apr 2010) |
| Tax Bill | $537 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Aug 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 039-06-09-001.00 |
| Primary APN | 039-06-09-001.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,047 sqft Living Area |
| Family Room | Family Room |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 3,131 sqft (0.07 acres) |
| Lot Dimensions | 101 ft deep x 31 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 112 sqft |
| Deck Area | 480 sqft |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 542091 |
|---|---|
| Street Address | 824 GARTRELL ST |
| City | ASHLAND |
| State | KY |
| Zip | 41101-5138 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PART OF LOT 28 RANGE-7 GARTRELL REALTY CO ADDITION |
| Legal Subdivision | REALTY CO ADDITION |
| Legal Block | 7 |
| Legal Lot Number | 28 |
| Jurisdiction | BOYD KY |
| Township / Civil Division | ASHLAND |
| Census Block Group | 1 |
| Census Block | 1041 |
| Census Tract | 30400 |
824 Gartrell St is owned and occupied by an individual who acquired it in March 2026.
Source: Boyd County records, as of March 24, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 824 GARTRELL ST, ASHLAND, KY 41101-5138 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
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 |
|---|---|
| Jul 15, 2026 | Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Aug 31, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CITY NATIONAL BANK OF WEST VIRGINIA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 29, 2010 · Amount on File |
| Deed Sale | Apr 29, 2010 · Amount on File |
| Deed Document Number | 2010635459 |
| Deed Book / Page | 729 / 253 |
| Last Transfer Date | Mar 12, 2026 |
| Transfer Doc | 0010042093 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BOYD KY |
| Recording Date | Jul 15, 2026 |
| Property Address | 824 GARTRELL ST, ASHLAND, KY 41101-5138 |
| Document Number | 0010044793 |
| Book / Page | 880 / 57 |
| Instrument Date | May 28, 2026 |
| Instrument | 202610044793 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2026 |
| Title Company | BLUEGRASS LAND TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $15,251.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 824 GARTRELL ST, ASHLAND, KY 41101-5138 |
| Document Number | 0010044794, |
|---|---|
| Date | Jul 15, 2026 |
| Instrument | 202610044794 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.48% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BOYD KY |
| Property Address | 824 GARTRELL ST, ASHLAND, KY 41101-5138 |
| Transaction Type | Mortgage |
| Record Updated | Mar 16, 2021 |
| Name | Verified Name |
|---|
| Document Number | M1442/56 |
|---|---|
| Date | Aug 31, 2020 |
| Book Page | M1442/56 |
| Instrument | 9834634 |
| Name | CITY NATIONAL BANK OF WEST VIRGINIA |
|---|---|
| Type | Bank |
| Address | GREENUP, KY 41144 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Sep 1, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.35% |
| Type Change Date | Sep 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 3.87% |
| Max Rate At Change | 6.35% |
| Index | 1-Year CMT |
| Max Rate | 8.35% |
The 2025 property tax bill for 824 Gartrell St was $537.
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 | $537.00 | $85,000 Land $10,000 Building $75,000 | $85,000 Land $10,000 Building $75,000 |
| 2023 | $551.00 | $85,000 Land $10,000 Building $75,000 | $85,000 Land $10,000 Building $75,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 824 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 824 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 99.1% of the US · lower than 99.2% 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 239 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 | 1,000 / 1,000 |
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