1651 Calloway Ave, Murray, KY 42071 Property Records

Calloway County property record for 1651 Calloway Ave, Murray, KY 42071

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,278 sqft
Owner	Individual Name on Record
Last Sale	$75,000 (Feb 2020)
Tax Bill	$330 (2025)
Deeds & Mortgages	Jan 2022 Line of Credit Jul 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`001-0-0012-00009`

Property Details

APN / Parcel Number

Primary APN	`001-0-0012-00009`
Alternative APN	`83619`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,278 sqft Living Area

Exterior

Exterior Material	Brick
Construction Type	Brick
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Garage Type	Carport
Garage Area	204 sqft
Carport	Carport
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	30 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Radiant

Location & Zoning

Account Number	83619
Street Address	1651 CALLOWAY AVE
City	MURRAY
State	KY
Zip	42071-1766
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1651 CALLOWAY
Jurisdiction	CALLOWAY KY
Township / Civil Division	MURRAY
Census Block Group	2
Census Block	2025
Census Tract	10304

Owner

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

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	PO BOX 67, MURRAY, KY 42071-0001
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2022	Deed of Trust, Mortgage · Line of Credit UNITED BANK & CAPITAL TRUST CO
Jul 19, 2022	Deed of Trust, Mortgage · Line of Credit FARMERS BANK & TRUST
Feb 13, 2020	Warranty Deed, Transfer · Line of Credit FNB BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 13, 2020 · Amount on Record
Deed Sale	Feb 13, 2020 · Amount on Record
Prior Sale	May 16, 2008 · Amount on Record
Deed Document Number	639465
Deed Book / Page	1242 / 557
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLOWAY KY
Property Address	1651 CALLOWAY AVE, MURRAY, KY 42071-1766
Transaction Type	Mortgage
Record Updated	Dec 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001353/260
Date	Jan 19, 2022
Book Page	1353/260
Instrument	654819

Lender

Name	UNITED BANK & CAPITAL TRUST CO
Type	Bank
Address	PRINCETON, KY 42445

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	11 Months
Due	Dec 20, 2022

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLOWAY KY
Property Address	1651 CALLOWAY AVE, MURRAY, KY 42071-1766
Transaction Type	Mortgage
Record Updated	Dec 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001379/711
Date	Jul 19, 2022
Book Page	1379/711
Instrument	658491

Lender

Name	FARMERS BANK & TRUST
Type	Bank
Address	PRINCETON, KY 42445

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 14, 2042

Interest

Rate Type	Adjustable Rate

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALLOWAY KY
Recording Date	Feb 13, 2020
Property Address	1651 CALLOWAY AVE, MURRAY, KY 42071-1766
Document Number	001242/557
Book / Page	1242 / 557
Map Reference	MB 87 PG 393
Instrument Date	Feb 11, 2020
Instrument	639465
Transaction Type	Transfer
Record Updated	Dec 23, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$75.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1112 ELM ST, MURRAY, KY 42071-2346

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 67, MURRAY, KY 42071-0001

Mortgage

Document Number	0000639466
Date	Feb 13, 2020
Instrument	639466

Lender

Name	FNB BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Feb 15, 2040

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	$330.00 (+11.49%)	$85,000 (+13.33%)	$85,000 (+13.33%)
2023	$296.00	$75,000	$75,000

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	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

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.

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 267 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Murray Electric System Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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