1908 Gatesborough Cir, Murray, KY 42071 Property Records

Calloway County property record for 1908 Gatesborough Cir, Murray, KY 42071

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,134 sqft
Lot Size	0.521 acres (22,705 sqft)
Owner	2 Individual Names on Record
Last Sale	$305,000 (Jul 2021)
Tax Bill	$2,056 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Jul 2020 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`042-M-0002-00007`

Property Details

APN / Parcel Number

Primary APN	`042-M-0002-00007`
Alternative APN	`88345`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,134 sqft Living Area

Exterior

Exterior Material	Other
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	22,705 sqft (0.521 acres)
Garage Type	Attached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric

Location & Zoning

Account Number	88345
Street Address	1908 GATESBOROUGH CIR
City	MURRAY
State	KY
Zip	42071-2713
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1908 GATESBOROUGH
Legal Subdivision	H5
Jurisdiction	CALLOWAY KY
Township / Civil Division	MURRAY
Census Block Group	1
Census Block	1024
Census Tract	10602

Owner

Source: Calloway County records, as of December 23, 2025

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	1908 GATESBOROUGH CIR, MURRAY, KY 42071-2713
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2021	Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL INC
Jul 22, 2020	Warranty Deed, Construction Loan · Construction Mortgage FNB BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2021 · Amount on Record
Deed Sale	Jul 13, 2021 · Amount on Record
Prior Sale	Jul 22, 2020 · Amount on Record
Deed Document Number	2021650521
Deed Book / Page	1323 / 361
Prior Transfer Date	Jul 20, 2020
Prior Transfer Doc	001264/322
Record Updated	Jun 8, 2026

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CALLOWAY KY
Recording Date	Jul 13, 2021
Property Address	1908 GATESBOROUGH CIR, MURRAY, KY 42071-2713
Document Number	001323/361
Book / Page	1323 / 361
Map Reference	MB 3 PG 23
Instrument Date	Jul 6, 2021
Instrument	650521
Transaction Type	Transfer
Record Updated	Jan 13, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$305.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	1908 GATESBOROUGH CIR, MURRAY, KY 42071-2713

Mortgage

Document Number	0000650522
Date	Jul 13, 2021
Instrument	650522

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

July 2020: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	CALLOWAY KY
Recording Date	Jul 22, 2020
Property Address	1908 GATESBOROUGH CIR, MURRAY, KY 42071-2713
Document Number	001264/322
Book / Page	1264 / 322
Map Reference	MB 3 PG 23
Instrument Date	Jul 20, 2020
Instrument	642413
Transaction Type	Construction Loan
Record Updated	Jan 13, 2023

Transaction

Amount	Amount Recorded
Tax	$90.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13821 BRADLEY BRIDGE RD, CHESTERFIELD, VA 23838-6103

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	122 SARATOGA DR S, MURRAY, KY 42071-4434

Mortgage

Document Number	0000642414
Date	Jul 22, 2020
Instrument	642414

Lender

Name	FNB BANK NA
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 20, 2021

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,056.00 (-2.88%) Homeowner's exemption	$305,000 (-)	$305,000 (-)
2023	$2,117.00 Homeowner's exemption	$305,000	$305,000

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	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 95 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

May also be available: Murray Electric System.

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