178 Wrather Rd, Murray, KY 42071 Property Records

Calloway County property record for 178 Wrather Rd, Murray, KY 42071

Property Summary

Property Type	Single Family Home
Details	2,014 sqft · built 2000
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on Record
Last Sale	$255,000 (Aug 2018)
Tax Bill	$2,279 (2025)
Deeds & Mortgages	Apr 2017 Mortgage May 2021 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`039-0-0017-E`

Property Details

APN / Parcel Number

Primary APN	`039-0-0017-E`
Alternative APN	`983`

Interior

Stories	1 Story
Building Area	2,014 sqft Living Area

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Aluminum/Vinyl
Construction Type	Adobe
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	150 sqft
Patio Area	96 sqft
Greenhouse	720 sqft
Poultry House	150 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating Fuel	Gas

Location & Zoning

Account Number	983
Street Address	178 WRATHER RD
City	MURRAY
State	KY
Zip	42071-9572
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	39-17E,17M 178 WRATHER ROAD
Legal Subdivision	MINOR SUBDIVISION
Jurisdiction	CALLOWAY KY
Township / Civil Division	KIRKSEY
Census Block Group	2
Census Block	2057
Census Tract	10200

Owner

Source: Calloway County records, as of October 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	178 WRATHER RD, MURRAY, KY 42071-9572
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2017	Deed of Trust, Mortgage · Commercial Mortgage HERITAGE BANK USA INC
May 27, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MSU FCU
Aug 3, 2018	Warranty Deed, Transfer · Conventional Mortgage INDEPENDENCE BANK
Mar 10, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2018 · Amount on Record
Deed Sale	Aug 3, 2018 · Amount on Record
Prior Sale	Mar 10, 2017 · Amount on Record
Deed Document Number	2018628972
Deed Book / Page	1182 / 580
Prior Transfer Date	Mar 6, 2017
Prior Transfer Doc	001127/282
Record Updated	Oct 29, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLOWAY KY
Property Address	178 WRATHER RD, MURRAY, KY 42071-9572
Transaction Type	Mortgage
Record Updated	Jan 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001133/070
Date	Apr 28, 2017
Book Page	1133/070
Instrument	620333

Lender

Name	HERITAGE BANK USA INC
Type	Bank
Address	MURRAY, KY 42071

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 26, 2047

Interest

Rate Type	Adjustable Rate

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLOWAY KY
Property Address	178 WRATHER RD, MURRAY, KY 42071-9572
Transaction Type	Mortgage
Record Updated	Jan 13, 2023
Title Company	HOME TEAM TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001314/733
Date	May 27, 2021
Book Page	1314/733
Instrument	649345

Lender

Name	MSU FCU
Type	Credit Union
Address	MURRAY, KY 42071

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	May 31, 2031

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALLOWAY KY
Recording Date	Aug 3, 2018
Property Address	178 WRATHER RD, MURRAY, KY 42071-9572
Document Number	001182/580
Book / Page	1182 / 580
Map Reference	MB 28 PG 28 SL 2646
Instrument Date	Aug 3, 2018
Instrument	628972
Transaction Type	Transfer
Record Updated	Jan 13, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$255.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	178 WRATHER RD, MURRAY, KY 42071-9572

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	178 WRATHER RD, MURRAY, KY 42071-9572

Mortgage

Document Number	0000628973
Date	Aug 3, 2018
Instrument	628973

Lender

Name	INDEPENDENCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2033

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALLOWAY KY
Recording Date	Mar 10, 2017
Property Address	178 WRATHER RD, MURRAY, KY 42071-9572
Document Number	001127/282
Book / Page	1127 / 282
Map Reference	MB 28 PG 30 SL 2646
Instrument Date	Mar 6, 2017
Instrument	619281
Transaction Type	Transfer
Record Updated	Jan 13, 2023

Transaction

Amount	Amount Recorded
Tax	$25.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	178 WRATHER RD, MURRAY, KY 42071-9572

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	178 WRATHER RD, MURRAY, KY 42071-9572

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Kentucky
County	Calloway County
Unified School District	Calloway County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,279.00 (-1.64%)	$255,000 (-)	$255,000 (-)
2023	$2,317.00	$255,000	$255,000

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 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.02% 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	DEXTER ALMO HEIGHTS WATER DISTRICT serves 2,275 people · EPA ID KY0180102
Water Source	Purchased groundwater from MURRAY WATER SYSTEM
Last State Inspection	Jul 2024
Lead	Under 1 ppb (2026) 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 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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