1621 Locust St, Murray, KY 42071 Property Records

Calloway County property record for 1621 Locust St, Murray, KY 42071

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,011 sqft
Lot Size	0.8 acres (34,848 sqft)
Owner	Individual Name on File
Last Sale	$310,000 (Apr 2025)
Tax Bill	$1,166 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Apr 2025 Sale & Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`002-0-010C-00002`

Property Details

APN / Parcel Number

Primary APN	`002-0-010C-00002`
Alternative APNs	`106222` `43172` `98214`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,011 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Brick
Construction Type	Brick
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	34,848 sqft (0.8 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	192 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Radiant

Location & Zoning

Account Number	106222
Street Address	1621 LOCUST ST
City	MURRAY
State	KY
Zip	42071-2240
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1621 LOCUST
Jurisdiction	CALLOWAY KY
Township / Civil Division	MURRAY
Census Block Group	2
Census Block	2011
Census Tract	10601

Owner

1621 Locust St is owned and occupied by an individual who bought it in April 2025.

Source: Calloway County records, as of December 24, 2025

Owner of Record	Individual Name on File
Co-owner	2 Co-owners on File
Mailing Address	1621 LOCUST ST, MURRAY, KY 42071-2240
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2023	Deed of Trust, Mortgage · Line of Credit THE MURRAY BANK
Apr 30, 2025	Warranty Deed, Transfer · Line of Credit UNION HOME MORTGAGE CORP
May 30, 2023	Warranty Deed, Transfer · Commercial Mortgage THE MURRAY BANK
May 3, 2019	Warranty Deed, Transfer · VA Mortgage AMERICAN MORTGAGE SERVICE CO

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Apr 30, 2025 · Amount on File
Deed Sale	Apr 30, 2025 · Amount on File
Prior Sale	Sep 9, 2024 · Amount on File
Deed Document Number	694984
Deed Book / Page	1497 / 189
Record Updated	Jun 8, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLOWAY KY
Property Address	1621 LOCUST ST, MURRAY, KY 42071-2240
Transaction Type	Mortgage
Record Updated	Dec 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1621 LOCUST ST, MURRAY, KY 42071-2240

Mortgage

Document Number	001421/447
Date	Jun 28, 2023
Book Page	1421/447
Instrument	684339

Lender

Name	THE MURRAY BANK
Type	Bank
Address	MURRAY, KY 42071

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

Interest

Rate Type	Adjustable Rate

April 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALLOWAY KY
Recording Date	Apr 30, 2025
Property Address	1621 LOCUST ST, MURRAY, KY 42071-2240
Document Number	001497/189
Book / Page	1497 / 189
Instrument Date	Apr 29, 2025
Instrument	694984
Transaction Type	Transfer
Record Updated	Dec 25, 2025
Title Company	HOME TEAM TITLE, HOME TEAM TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$310.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	602 MAIN ST, MURRAY, KY 42071-2035

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1621 LOCUST ST, MURRAY, KY 42071-2240

Mortgage

Document Number	0000694985
Date	Apr 30, 2025
Instrument	694985

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	May 1, 2055

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALLOWAY KY
Recording Date	May 30, 2023
Property Address	1621 LOCUST ST, MURRAY, KY 42071-2240
Document Number	001417/680
Book / Page	1417 / 680
Instrument Date	May 19, 2023
Instrument	683844
Transaction Type	Transfer
Record Updated	Jul 24, 2024
Title Company	HOME TEAM TITLE LLC

Transaction

Amount	Amount on Record
Tax	$245.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1621 LOCUST ST, MURRAY, KY 42071-2240

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1621 LOCUST ST, MURRAY, KY 42071-2240

Mortgage

Document Number	0000683845
Date	May 30, 2023
Instrument	683845

Lender

Name	THE MURRAY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	12 Months
Due	May 18, 2024

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALLOWAY KY
Recording Date	May 3, 2019
Property Address	1621 LOCUST ST, MURRAY, KY 42071-2240
Document Number	001210/670
Book / Page	1210 / 670
Instrument Date	Apr 30, 2019
Instrument	634007
Transaction Type	Transfer
Record Updated	Jul 4, 2023
Title Company	SPRINGDALE TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$210.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	112 WEST LAKE DR, CAIRO, GA 39828

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1621 LOCUST ST, MURRAY, KY 42071-2240

Mortgage

Document Number	0000634008
Date	May 3, 2019
Instrument	634008

Lender

Name	AMERICAN MORTGAGE SERVICE CO
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1621 Locust St was $1,166.

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	$1,166.00	$322,000	$322,000
2023	$610.00 (-4.69%) Homeowner's exemption	$210,000 (-)	$210,000 (-)
2022	$640.00 Homeowner's exemption	$210,000	$210,000

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

Flood

FEMA maps place 1621 Locust St in Zone X, an area of minimal flood risk.

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	1 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

Wildfire risk around 1621 Locust St 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 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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