Calloway County property record for 1003 Coldwater Rd, Murray, KY 42071
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,094 sqft |
| Lot Size | 0.483 acres (21,078 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $165 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 001-0-0001-00002 |
| Primary APN | 001-0-0001-00002 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,094 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Construction Type | Adobe |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 21,078 sqft (0.483 acres) |
| Garage Type | Carport |
| Garage Area | 264 sqft |
| Carport | Carport |
| Carport Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Total Buildings | 3 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Propane |
| Account Number | 18506 |
|---|---|
| Street Address | 1003 COLDWATER RD |
| City | MURRAY |
| State | KY |
| Zip | 42071-1500 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1003 COLDWATER |
| Jurisdiction | CALLOWAY KY |
| Township / Civil Division | MURRAY |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 10303 |
1003 Coldwater Rd is owned and occupied by two individuals who acquired it in October 2025.
Source: Calloway County records, as of December 23, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1003 COLDWATER RD, MURRAY, KY 42071-1500 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 9, 2025 |
| Deed Sale | Oct 9, 2025 |
| Prior Sale | Sep 24, 2007 · Amount on File |
| Deed Document Number | 2025722573 |
| Deed Book / Page | 1518 / 322 |
| Prior Transfer Date | Oct 2, 2025 |
| Prior Transfer Doc | 001518/326 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CALLOWAY KY |
| Recording Date | Oct 9, 2025 |
| Property Address | 1003 COLDWATER RD, MURRAY, KY 42071-1500 |
| Document Number | 001518/322 |
| Book / Page | 1518 / 322 |
| Instrument Date | Oct 2, 2025 |
| Instrument | 722573 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1003 COLDWATER RD, MURRAY, KY 42071-1500 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1003 COLDWATER RD, MURRAY, KY 42071-1500 |
| Document Number | 001518/326 |
|---|---|
| Date | Oct 9, 2025 |
| Book Page | 1518/326 |
| Instrument | 722574 |
| Name | AMERICAN FINANCING CORP |
|---|---|
| Type | Lending Institution |
| Address | 3045 S PARKER RD # B-100, AURORA, CO 80014 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
The 2025 property tax bill for 1003 Coldwater Rd was $165 with a homeowner's exemption, up 3.1% from the year before.
Source: Calloway County assessment roll, as of December 23, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Calloway County |
| Municipality | Murray City |
| Unified School District | Calloway County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $165.00 (+3.13%) Homeowner's exemption | $87,500 (+4.17%) | $87,500 (+4.17%) |
| 2024 | $160.00 (-1.84%) Homeowner's exemption | $84,000 (-) | $84,000 (-) |
| 2023 | $163.00 Homeowner's exemption | $84,000 | $84,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1003 Coldwater Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 29, 2010 · 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 |
| Nearby Flood Policies | 1 in force |
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 1003 Coldwater Rd 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 98% of the US · lower than 98.2% 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 | MURRAY WATER SYSTEM serves 26,302 people · EPA ID KY0180306 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 300 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Murray Electric System Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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