1310 N 12th St, Murray, KY 42071 Property Records

Calloway County property record for 1310 N 12th St, Murray, KY 42071

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	9,180 sqft
Owner	Company Name on Record
Last Sale	$899,000 (Jan 2013)
Tax Bill	$7,180 (2025)
Deeds & Mortgages	Sep 2017 Mortgage Sep 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`041-R-0004`

Property Details

APN / Parcel Number

Primary APN	`041-R-0004`
Alternative APN	`6663`

Interior

Stories	1 Story
Building Area	9,180 sqft Total Area

Exterior

Exterior Material	Metal
Construction Type	Masonry / Concrete Block
Roof Material	Metal
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	6663
Street Address	1310 N 12TH ST
City	MURRAY
State	KY
Zip	42071-3529
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	41R-4,9 1310 N 12TH & 1103 NORTHW
Jurisdiction	CALLOWAY KY
Township / Civil Division	MURRAY
Census Block Group	1
Census Block	1081
Census Tract	10400

Owner

Source: Calloway County records, as of December 22, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	1310 N 12TH ST, MURRAY, KY 42071-3529
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2017	Deed of Trust, Mortgage COMMUNITY FINANCIAL SERVICES BANK
Sep 14, 2017	Deed of Trust, Mortgage · Line of Credit COMMUNITY FINANCIAL SERVICES BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 4, 2013 · Amount on Record
Deed Sale	Jan 4, 2013 · Amount on Record
Deed Document Number	558236
Deed Book / Page	0951 / 282
Record Updated	Jun 8, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLOWAY KY
Property Address	1310 N 12TH ST, MURRAY, KY 42071-3529
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001149/533
Date	Sep 14, 2017
Book Page	1149/533
Instrument	623166

Lender

Name	COMMUNITY FINANCIAL SERVICES BANK
Type	Bank
Address	MURRAY, KY 42071

Agreement

Amount	Amount Recorded
Term	179 Months
Due	Aug 24, 2032

Interest

Rate Type	Adjustable Rate

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLOWAY KY
Property Address	1310 N 12TH ST, MURRAY, KY 42071-3529
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001149/548
Date	Sep 14, 2017
Book Page	1149/548
Instrument	623168

Lender

Name	COMMUNITY FINANCIAL SERVICES BANK
Type	Bank
Address	BENTON, KY 42025

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Sep 10, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Calloway County assessment roll, as of November 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Calloway County
Municipality	Murray City
Unified School District	Calloway County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,180.00 (-1.83%)	$899,000 (-)	$899,000 (-)
2023	$7,314.00	$899,000	$899,000

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

Flood

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	4 in force
Nearby Flood Claims	4 (2016–2023)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Jul 2023 · rainfall accumulation

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.9% 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.

Drinking Water

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

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 333 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
Starlink Satellite	280 / 30

May also be available: AT&T.

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