Calloway County property record for 115 Harvard Dr, Murray, KY 42071
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 1,861 sqft · built 1998 |
| Lot Size | 0.346 acres (15,093 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,089 (2025) |
| Deeds & Mortgages | Jun 2025 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 041-V-0003-00020 |
| Primary APN | 041-V-0003-00020 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,861 sqft Living Area |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Duplex Single |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 15,093 sqft (0.346 acres) |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Account Number | 29815 |
|---|---|
| Street Address | 115 HARVARD DR |
| City | MURRAY |
| State | KY |
| Zip | 42071-9471 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | 115,121 HARVARD DRIVE |
| Legal Subdivision | C1 |
| Jurisdiction | CALLOWAY KY |
| Township / Civil Division | MURRAY |
| Census Block Group | 1 |
| Census Block | 1068 |
| Census Tract | 10304 |
115 Harvard Dr, a duplex, is owned by an individual.
Source: Calloway County records, as of July 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2265 STATE ROUTE 381, SEDALIA, KY 42079-9626 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALLOWAY KY |
| Property Address | 115 HARVARD DR, MURRAY, KY 42071-9471 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2265 STATE ROUTE 381, SEDALIA, KY 42079-9626 |
| Document Number | 001504/721 |
|---|---|
| Date | Jun 30, 2025 |
| Book Page | 1504/721 |
| Instrument | 714033 |
| Name | COMMUNITY FINANCIAL SERVICES BANK |
|---|---|
| Type | Bank |
| Address | PO BOX 467, BENTON, KY 42025 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 61 Months |
| Due | Jul 10, 2030 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 115 Harvard Dr was $1,089.
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 | $1,089.00 | $130,000 | $130,000 |
| 2023 | $1,109.00 | $130,000 | $130,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 115 Harvard Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 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 115 Harvard Dr 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 | Direct burnable vegetation |
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 187 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
May also be available: Mediacom Xtream.
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