20 Cambridge Dr, Murray, KY 42071 Property Records

Calloway County property record for 20 Cambridge Dr, Murray, KY 42071

Property Summary

Property Type	Single Family Home
Details	1,302 sqft · built 1997
Lot Size	0.35 acres (15,246 sqft)
Owner	Individual Name on Record
Last Sale	$140,000 (Apr 2026)
Tax Bill	$1,785 (2025)
Deeds & Mortgages	Apr 2026 Sale Jan 2026 Sale + 3 more
Flood Zone	Zone A (high risk)
APN	`041-V-0002-00031`

Property Details

APN / Parcel Number

Primary APN	`041-V-0002-00031`
Alternative APNs	`109724` `90524`

Interior

Stories	1 Story
Building Area	1,302 sqft Living Area

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	15,246 sqft (0.35 acres)
Garage Type	Attached
Garage Area	589 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	109724
Street Address	20 CAMBRIDGE DR
City	MURRAY
State	KY
Zip	42071-9495
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	20 CAMBRIDGE DRIVE
Legal Subdivision	C2
Jurisdiction	CALLOWAY KY
Township / Civil Division	MURRAY
Census Block Group	1
Census Block	1066
Census Tract	10304

Owner

Source: Calloway County records, as of August 17, 2026

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
Mailing Address	222 GARLAND LN, MURRAY, KY 42071-9412
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2026	Special Warranty Deed, Transfer HOME TEAM TITLE
Jan 15, 2026	Special Warranty Deed, Transfer
Sep 12, 2023	Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL INC
Jul 23, 2018	Deed of Trust, Mortgage · Line of Credit INDEPENDENCE BANK OF KENTUCKY
Dec 21, 2021	Warranty Deed, Transfer · FHA Mortgage EVERETT FINANCIAL INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 8, 2026 · Amount on Record
Deed Sale	Apr 8, 2026 · Amount on Record
Prior Sale	May 16, 2025 · Amount on Record
Deed Document Number	2026725335
Deed Book / Page	1538 / 210
Record Updated	Sep 20, 2026

April 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CALLOWAY KY
Recording Date	Apr 8, 2026
Property Address	20 CAMBRIDGE DR, MURRAY, KY 42071-9495
Document Number	0000725335
Book / Page	1538 / 210
Instrument Date	Apr 7, 2026
Instrument	2026725335
Transaction Type	Transfer
Record Updated	Apr 20, 2026
Title Company	HOME TEAM TITLE

Transaction

Amount	Amount Recorded
Tax	$14,140.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	222 GARLAND LN, MURRAY, KY 42071-9412

January 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CALLOWAY KY
Recording Date	Jan 15, 2026
Property Address	20 CAMBRIDGE DR, MURRAY, KY 42071-9495
Document Number	001529/151
Book / Page	1529 / 151
Map Reference	MB 15 PG 45 SL 1350
Instrument Date	Apr 22, 2025
Instrument	724063
Transaction Type	Transfer
Record Updated	Jan 28, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1231 LOUISVILLE RD, FRANKFORT, KY 40601-6156

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2000 N CLASSEN BLVD STE 3200, 3200, OKLAHOMA CITY, OK 73106-6034
Mail Care Of	INFORMATION SYSTEMS NETWORKS CORPORATION
Investor	Possibly a Property Investor

September 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CALLOWAY KY
Recording Date	Sep 12, 2023
Property Address	20 CAMBRIDGE DR, MURRAY, KY 42071-9495
Document Number	001430/604
Book / Page	1430 / 604
Map Reference	MB 15 PG 45 SL 1350
Instrument Date	Sep 8, 2023
Instrument	685675
Transaction Type	Transfer
Record Updated	Oct 3, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$199.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	209 MOUNT NEBO RD, CLEVES, OH 45002-1228

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 CAMBRIDGE DR, MURRAY, KY 42071-9495

Mortgage

Document Number	0000685676
Date	Sep 12, 2023
Instrument	685676

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

Mortgage

Document Number	001430/624
Date	Sep 12, 2023
Book Page	1430/624
Instrument	685677

Lender

Name	LEXINGTON-FAYETTE URBAN COUNTY GOV
Type	Government Agency
Address	FRANKFORT, KY 40601

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Oct 1, 2033

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLOWAY KY
Property Address	20 CAMBRIDGE DR, MURRAY, KY 42071-9495
Transaction Type	Mortgage
Record Updated	Jan 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001181/459
Date	Jul 23, 2018
Book Page	1181/459
Instrument	628731

Lender

Name	INDEPENDENCE BANK OF KENTUCKY
Type	Bank
Address	MURRAY, KY 42071

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jul 18, 2019

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALLOWAY KY
Recording Date	Dec 21, 2021
Property Address	20 CAMBRIDGE DR, MURRAY, KY 42071-9495
Document Number	001350/223
Book / Page	1350 / 223
Map Reference	MB 15 PG 45 SL 1350
Instrument Date	Dec 20, 2021
Instrument	654406
Transaction Type	Transfer
Record Updated	Jan 13, 2023
Title Company	HOME TEAM TITLE, HOME TEAM TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$160.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	355 BRIDLEWOOD DR, MURRAY, KY 42071-4717

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 CAMBRIDGE DR, MURRAY, KY 42071-9495

Mortgage

Document Number	0000654407
Date	Dec 21, 2021
Instrument	654407

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

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	$1,785.00 (+21.84%)	$199,000 (+24.38%)	$199,000 (+24.38%)
2023	$1,465.00 (-1.94%)	$160,000 (-)	$160,000 (-)
2022	$1,494.00	$160,000	$160,000

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	3 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 93% of the US · lower than 92% 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 187 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
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Mediacom Xtream.

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