Calloway County property record for 1403 Michelle Dr, Murray, KY 42071
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 1,860 sqft · built 1993 |
| Owner | 2 Individual Names on File |
| Last Sale | $15,000 (Aug 1993) |
| Tax Bill | $2,166 (2025) |
| Deeds & Mortgages | Jan 2017 Mortgage Apr 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 041-T-0019 |
| Primary APN | 041-T-0019 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,860 sqft Living Area |
| Year Built | Built 1993 |
|---|---|
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Porch | Porch |
| Porch Area | 150 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Account Number | 38511 |
|---|---|
| Street Address | 1403 MICHELLE DR |
| City | MURRAY |
| State | KY |
| Zip | 42071-3572 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | 1403 & 1408 MICHELLE INC 41T-19 & 3 |
| Jurisdiction | CALLOWAY KY |
| Township / Civil Division | MURRAY |
| Census Block Group | 1 |
| Census Block | 1051 |
| Census Tract | 10400 |
1403 Michelle Dr, a duplex, is owned by two individuals who bought it in August 1993.
Source: Calloway County records, as of December 22, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 65, MURRAY, KY 42071-0001 |
| 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.
| Date | Document |
|---|---|
| Jan 10, 2017 | Deed of Trust, Mortgage · Commercial Mortgage INDEPENDENCE BANK OF KENTUCKY |
| Apr 30, 2025 | Deed of Trust, Mortgage · Commercial Mortgage INDEPENDENCE BANK OF KENTUCKY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 1, 1993 · Amount on File |
| Deed Sale | Aug 1, 1993 · Amount on File |
| Deed Document Number | 0001041527 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALLOWAY KY |
| Property Address | 1403 MICHELLE DR, MURRAY, KY 42071-3572 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2025 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 001120/613 |
|---|---|
| Date | Jan 10, 2017 |
| Book Page | 1120/613 |
| Instrument | 608206 |
| Name | INDEPENDENCE BANK OF KENTUCKY |
|---|---|
| Type | Bank |
| Address | MURRAY, KY 42071 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Jan 9, 2022 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALLOWAY KY |
| Property Address | 1403 MICHELLE DR, MURRAY, KY 42071-3572 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 234 OAKS COUNTRY CLUB RD, MURRAY, KY 42071-4663 |
| Document Number | 001497/244 |
|---|---|
| Date | Apr 30, 2025 |
| Book Page | 1497/244 |
| Instrument | 694996 |
| Name | INDEPENDENCE BANK OF KENTUCKY |
|---|---|
| Type | Bank |
| Address | 507 N 12TH ST, MURRAY, KY 42071 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Apr 29, 2030 |
The 2025 property tax bill for 1403 Michelle Dr was $2,166.
Source: Calloway County assessment roll, as of November 1, 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 | $2,166.00 | $266,000 | $266,000 |
| 2023 | $2,206.00 | $266,000 | $266,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1403 Michelle 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 AE, within 500 ft |
| 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 risk around 1403 Michelle 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 | 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 80 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 | 100 / 20 |
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