285 Swallow Ln, Murray, KY 42071 Property Records

Calloway County property record for 285 Swallow Ln, Murray, KY 42071

Property Summary

Property Type	Single Family Home
Lot Size	3.23 acres (140,715 sqft)
Owner	2 Individual Names on File
Last Sale	$18,500 (Sep 2022)
Tax Bill	$463 (2025)
Deeds & Mortgages	Sep 2023 Construction Loan Jun 2025 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`101-A-0041`

Property Details

APN / Parcel Number

Primary APN	`101-A-0041`
Alternative APNs	`82721` `97084` `97083`

Exterior

Lot Area	140,715 sqft (3.23 acres)

Location & Zoning

Account Number	97083
Street Address	285 SWALLOW LN
City	MURRAY
State	KY
Zip	42071
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CENTER RIDGE CABIN SITE SWALLOW LAN
Legal Subdivision	CENTER RIDGE CABIN SITE SUBDIVISION
Jurisdiction	CALLOWAY KY
Township / Civil Division	SHILOH
Census Block Group	3
Census Block	3002
Census Tract	10100

Owner

285 Swallow Ln is owned by two individuals who bought it in September 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	642 POTOMAC CT, CLARKSVILLE, TN 37043-5660
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2023	Deed of Trust, Mortgage · Construction Mortgage ALTRA FCU
Jun 24, 2025	Deed of Trust, Mortgage · Line of Credit ALTRA FCU
Jan 25, 2023	Warranty Deed, Transfer HOME TEAM TITLE, HOME TEAM TITLE LLC
Dec 10, 2018	Affidavit, Transfer
Dec 10, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2022 · Amount on File
Deed Sale	Sep 12, 2022 · Amount on File
Prior Sale	Dec 10, 2018 · Amount on File
Deed Document Number	2022660401
Deed Book / Page	1387 / 526
Prior Transfer Date	Dec 5, 2018
Prior Transfer Doc	001196/701
Record Updated	Jun 8, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLOWAY KY
Property Address	285 SWALLOW LN, MURRAY, KY 42071
Transaction Type	Mortgage
Record Updated	Dec 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	642 POTOMAC CT, CLARKSVILLE, TN 37043-5660

Mortgage

Document Number	001429/671
Date	Sep 6, 2023
Book Page	1429/671
Instrument	685573

Lender

Name	ALTRA FCU
Type	Credit Union
Address	ONALASKA, WI 54650

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Sep 1, 2024

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLOWAY KY
Property Address	285 SWALLOW LN, MURRAY, KY 42071
Transaction Type	Mortgage
Record Updated	Dec 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001503/709
Date	Jun 24, 2025
Book Page	1503/709
Instrument	713917

Lender

Name	ALTRA FCU
Type	Credit Union
Address	1700 OAK FOREST DR, ONALASKA, WI 54650

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	7.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2030
Change Frequency	Annually
Min Rate At Change	5.25%
Max Rate At Change	9.25%
Index	1-Year CMT
Max Rate	13.2%

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALLOWAY KY
Recording Date	Jan 25, 2023
Property Address	285 SWALLOW LN, MURRAY, KY 42071
Document Number	001403/495
Book / Page	1403 / 495
Instrument Date	Jan 24, 2023
Instrument	665248
Transaction Type	Transfer
Record Updated	Dec 23, 2025
Title Company	HOME TEAM TITLE, HOME TEAM TITLE LLC

Transaction

Amount	Amount on Record
Tax	$52.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1896 LIBERTY RD, MURRAY, KY 42071-6426

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	642 POTOMAC CT, CLARKSVILLE, TN 37043-5660

December 2018: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	CALLOWAY KY
Recording Date	Dec 10, 2018
Property Address	285 SWALLOW LN, MURRAY, KY 42071
Document Number	001196/701
Book / Page	1196 / 701
Instrument Date	Dec 5, 2018
Instrument	631563
Transaction Type	Transfer
Record Updated	Dec 23, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3413 S HURSTBOURNE PKWY, LOUISVILLE, KY 40299-7373

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALLOWAY KY
Recording Date	Dec 10, 2018
Property Address	285 SWALLOW LN, MURRAY, KY 42071
Document Number	001196/704
Book / Page	1196 / 704
Instrument Date	Dec 5, 2018
Instrument	631564
Transaction Type	Transfer
Record Updated	Dec 23, 2025

Transaction

Amount	Amount on Record
Tax	$31.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3413 HURSTBOURNE RIDGE BLVD, LOUISVILLE, KY 40299-6523

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1896 LIBERTY RD, MURRAY, KY 42071-6426
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 285 Swallow Ln was $463.

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	$463.00	$52,500	$52,500
2023	$282.00	$31,500	$31,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 285 Swallow Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
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

Wildfire risk around 285 Swallow Ln is low, with a 0.02% annual chance of 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	CENTER RIDGE WATER SYSTEM serves 273 people · EPA ID KY0180549
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	5 ppb (2020–2022) action level 15 ppb
Copper	1.4 mg/L (2020–2022) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	No certified operator Dec 2025
Monitoring and Reporting	3 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 115 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
West Kentucky Rural Telephone Cooperative Fiber	2,000 / 2,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50

Cell Coverage

No cell data coverage reported

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