2115 Gatesborough Cir, Murray, KY 42071 Property Records

Calloway County property record for 2115 Gatesborough Cir, Murray, KY 42071

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,220 sqft · built 1974
Lot Size	0.55 acres (24,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$325,000 (Jul 2026)
Tax Bill	$2,215 (2025)
Deeds & Mortgages	Jul 2026 Sale Aug 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`042-M-0007-00016`

Property Details

APN / Parcel Number

Primary APN	`042-M-0007-00016`
Alternative APNs	`89689` `99298` `99297`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,220 sqft Living Area
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Construction Type	Frame
Roof Type	Mansard
Roof Material	Wood Shingle
Lot Area	24,000 sqft (0.55 acres)
Lot Dimensions	200 ft deep x 120 ft wide
Garage Type	Attached
Garage Area	756 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	208 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Other
Heating Fuel	Oil

Location & Zoning

Account Number	99297
Street Address	2115 GATESBOROUGH CIR
City	MURRAY
State	KY
Zip	42071-2716
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2115 GATESBOROUGH
Legal Subdivision	H5
Jurisdiction	CALLOWAY KY
Township / Civil Division	MURRAY
Census Block Group	1
Census Block	1025
Census Tract	10602

Owner

Source: Calloway County records, as of July 20, 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	2115 GATESBOROUGH CIR, MURRAY, KY 42071-2716
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2026	Warranty Deed, Transfer HOME TEAM TITLE
Aug 14, 2023	Warranty Deed, Transfer · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2026 · Amount on Record
Deed Sale	Jul 10, 2026 · Amount on Record
Prior Sale	Aug 14, 2023 · Amount on Record
Deed Document Number	2026726911
Deed Book / Page	1550 / 312
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALLOWAY KY
Recording Date	Jul 10, 2026
Property Address	2115 GATESBOROUGH CIR, MURRAY, KY 42071-2716
Document Number	0000726911
Book / Page	1550 / 312
Instrument Date	Jul 8, 2026
Instrument	2026726911
Transaction Type	Transfer
Record Updated	Jul 20, 2026
Title Company	HOME TEAM TITLE

Transaction

Amount	Amount Recorded
Tax	$32,825.00
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	2115 GATESBOROUGH CIR, MURRAY, KY 42071-2716

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALLOWAY KY
Recording Date	Aug 14, 2023
Property Address	2115 GATESBOROUGH CIR, MURRAY, KY 42071-2716
Document Number	001426/450
Book / Page	1426 / 450
Map Reference	MB 156 CARD 803
Instrument Date	Aug 10, 2023
Instrument	685127
Transaction Type	Transfer
Record Updated	Oct 6, 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	$325.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2115 GATESBOROUGH CIR, MURRAY, KY 42071-2716

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2115 GATESBOROUGH CIR, MURRAY, KY 42071-2716

Mortgage

Document Number	0000685128
Date	Aug 14, 2023
Instrument	685128

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Type Change Date	Sep 1, 2026
Change Frequency	5 Years
Min Rate At Change	4.37%
Max Rate At Change	8.37%
Index	5-Year TN
Margin	2
Max Rate	11.3%

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	$2,215.00 (-9.63%) Homeowner's exemption	$325,000 (+8.33%)	$325,000 (+8.33%)
2023	$2,451.00 (-2.16%)	$300,000 (-)	$300,000 (-)
2022	$2,505.00	$300,000	$300,000

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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