1316 Main St, Murray, KY 42071 Property Records

Calloway County property record for 1316 Main St, Murray, KY 42071

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,967 sqft · built 1968
Lot Size	0.354 acres (15,456 sqft)
Owner	Individual Name on Record
Last Sale	$99,500 (Aug 2019)
Tax Bill	$527 (2025)
Deeds & Mortgages	Sep 2026 Sale Nov 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`003-0-0012-00031`

Property Details

APN / Parcel Number

Primary APN	`003-0-0012-00031`
Alternative APN	`43914`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,967 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	15,456 sqft (0.354 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	43914
Street Address	1316 MAIN ST
City	MURRAY
State	KY
Zip	42071-1823
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1316 MAIN
Jurisdiction	CALLOWAY KY
Township / Civil Division	MURRAY
Census Block Group	1
Census Block	1008
Census Tract	10301

Owner

Source: Calloway County records, as of September 18, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	1316 MAIN ST, MURRAY, KY 42071-1823
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Nov 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage INDEPENDENCE BANK OF KENTUCKY
Apr 13, 2020	Deed of Trust, Mortgage · Line of Credit INDEPENDENCE BANK OF KENTUCKY
Oct 1, 2019	Deed of Trust, Mortgage · Line of Credit INDEPENDENCE BANK OF KENTUCKY
Sep 15, 2021	Deed of Trust, Mortgage · Line of Credit INDEPENDENCE BANK OF KENTUCKY
Aug 7, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 7, 2019 · Amount on Record
Deed Sale	Aug 7, 2019 · Amount on Record
Deed Document Number	2019635924
Deed Book / Page	1222 / 213
Last Transfer Date	Sep 10, 2026
Transfer Doc	0000743673
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALLOWAY KY
Recording Date	Sep 10, 2026
Property Address	1316 MAIN ST, MURRAY, KY 42071-1823
Document Number	0000743673
Book / Page	1559 / 130
Instrument Date	Sep 10, 2026
Instrument	2026743673
Transaction Type	Transfer
Record Updated	Sep 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1316 MAIN ST, MURRAY, KY 42071-1823

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLOWAY KY
Property Address	1316 MAIN ST, MURRAY, KY 42071-1823
Transaction Type	Mortgage
Record Updated	Jan 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001282/266
Date	Nov 3, 2020
Book Page	1282/266
Instrument	644995

Lender

Name	INDEPENDENCE BANK OF KENTUCKY
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2035

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLOWAY KY
Property Address	1316 MAIN ST, MURRAY, KY 42071-1823
Transaction Type	Mortgage
Record Updated	Jan 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001250/254
Date	Apr 13, 2020
Book Page	1250/254
Instrument	640560

Lender

Name	INDEPENDENCE BANK OF KENTUCKY
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Mar 31, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLOWAY KY
Property Address	1316 MAIN ST, MURRAY, KY 42071-1823
Transaction Type	Mortgage
Record Updated	Jan 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001228/603
Date	Oct 1, 2019
Book Page	1228/603
Instrument	637150

Lender

Name	INDEPENDENCE BANK OF KENTUCKY
Type	Bank
Address	OWENSBORO, KY 42302

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Sep 30, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLOWAY KY
Property Address	1316 MAIN ST, MURRAY, KY 42071-1823
Transaction Type	Mortgage
Record Updated	Jan 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1316 MAIN ST, MURRAY, KY 42071-1823

Mortgage

Document Number	001333/126
Date	Sep 15, 2021
Book Page	1333/126
Instrument	651944

Lender

Name	INDEPENDENCE BANK OF KENTUCKY
Type	Bank
Address	MURRAY, KY 42071

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Aug 30, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALLOWAY KY
Recording Date	Aug 7, 2019
Property Address	1316 MAIN ST, MURRAY, KY 42071-1823
Document Number	001222/213
Book / Page	1222 / 213
Instrument Date	Aug 7, 2019
Instrument	635924
Transaction Type	Transfer
Record Updated	Jan 13, 2023

Transaction

Amount	Amount Recorded
Tax	$99.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1316 MAIN ST, MURRAY, KY 42071-1823

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1206 JOHNSON BLVD, MURRAY, KY 42071-2961

Tax Assessment & Valuation

Source: Calloway County assessment roll, as of December 23, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$527.00 (+37.6%)	$141,000 (+41.71%)	$141,000 (+41.71%)
2023	$383.00	$99,500	$99,500

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 97% of the US · lower than 97.3% 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.

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 343 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

May also be available: AT&T, Verizon.

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