1608 Locust St, Murray, KY 42071 Property Records

Calloway County property record for 1608 Locust St, Murray, KY 42071

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,351 sqft · built 1962
Owner	Individual Name on Record
Last Sale	$260,000 (Apr 2020)
Tax Bill	$947 (2025)
Deeds & Mortgages	Apr 2020 Sale & Mortgage Jul 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`002-0-0006-00007`

Property Details

APN / Parcel Number

Primary APN	`002-0-0006-00007`
Alternative APNs	`101034` `1237`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,351 sqft Living Area
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Garage Type	Attached
Garage Area	322 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	101034
Street Address	1608 LOCUST ST
City	MURRAY
State	KY
Zip	42071-2266
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1608 LOCUST
Jurisdiction	CALLOWAY KY
Township / Civil Division	MURRAY
Census Block Group	1
Census Block	1006
Census Tract	10601

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1608 LOCUST ST, MURRAY, KY 42071-2266
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2020	Certificate of Transfer, Subdivision Related Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Jul 8, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2020 · Amount on Record
Deed Sale	Apr 16, 2020 · Amount on Record
Prior Sale	Jul 8, 2019 · Amount on Record
Deed Document Number	640586
Deed Book / Page	1250 / 433
Record Updated	Jun 8, 2026

April 2020: Certificate of Transfer, Subdivision Related Transfer

Document Type	Certificate of Transfer
Jurisdiction	CALLOWAY KY
Recording Date	Apr 16, 2020
Property Address	1608 LOCUST ST, MURRAY, KY 42071-2266
Document Number	001250/433
Book / Page	1250 / 433
Instrument Date	Apr 10, 2020
Instrument	640586
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 13, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1650 RAYBUM ROAD, MURRAY, KY 42071

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1608 LOCUST ST, MURRAY, KY 42071-2266

Mortgage

Document Number	0000640587
Date	Apr 16, 2020
Instrument	640587

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.6%
Type Change Date	May 1, 2035
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.6%
Index	1-Year LIBOR
Max Rate	8.6%

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALLOWAY KY
Recording Date	Jul 8, 2019
Property Address	1608 LOCUST ST, MURRAY, KY 42071-2266
Document Number	001218/373
Book / Page	1218 / 373
Instrument Date	Jul 5, 2019
Instrument	635299
Transaction Type	Transfer
Record Updated	Jan 13, 2023

Transaction

Amount	Amount Recorded
Tax	$147.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1608 LOCUST ST, MURRAY, KY 42071-2266

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1650 RAYBURN RD, MURRAY, KY 42071-4560

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	Murray Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$947.00 (+71.87%)	$260,000 (+76.87%)	$260,000 (+76.87%)
2023	$551.00	$147,000	$147,000

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	2 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

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

Wildfire Risk	Low lower than 96% of the US · lower than 96% 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 113 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Murray Electric System Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000

May also be available: Mediacom Xtream, Verizon.

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