304 Main St, Murray, KY 42071 Property Records

Calloway County property record for 304 Main St, Murray, KY 42071

Property Summary

Property Type	Single Family Home
Lot Size	0.217 acres (2,000 sqft)
Owner	Company Name on Record
Last Sale	$125,000 (Nov 2022)
Tax Bill	$471 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Nov 2022 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`009-0-0017-00010`

Property Details

APN / Parcel Number

Primary APN	`009-0-0017-00010`
Alternative APNs	`15682` `96239`

Interior

Stories	2 Stories
Building Area	3,600 sqft Building Perimeter
1st Floor Area	3,600 sqft

Exterior

Exterior Material	Stucco
Roof Material	Tar & Gravel
Lot Area	2,000 sqft (0.217 acres)
Lot Dimensions	20 ft deep x 100 ft wide

Location & Zoning

Account Number	96239
Street Address	304 MAIN ST
City	MURRAY
State	KY
Zip	42071-2151
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	304 MAIN
Jurisdiction	CALLOWAY KY
Township / Civil Division	MURRAY
Census Block Group	2
Census Block	2045
Census Tract	10400

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Murray Commercial Historic District listed 2003 · 64 contributing resources · NRIS 02001464

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Calloway County records, as of September 30, 2026

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

Owner of Record	Company Name on Record
Mailing Address	304 MAIN ST, MURRAY, KY 42071-2151
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2026	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY FINANCIAL SERVICES BANK
Nov 21, 2022	Warranty Deed, Transfer · Line of Credit COMMUNITY FINANCIAL SERVICES BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 21, 2022 · Amount on Record
Deed Sale	Nov 21, 2022 · Amount on Record
Prior Sale	Sep 8, 2011 · Amount on Record
Deed Document Number	2022662169
Deed Book / Page	1396 / 455
Prior Transfer Date	Dec 10, 2009
Prior Transfer Doc	0814/578
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLOWAY KY
Recording Date	Sep 21, 2026
Property Address	304 MAIN ST, MURRAY, KY 42071-2151
Document Number	0000743814
Book / Page	1560 / 338
Instrument Date	Sep 18, 2026
Instrument	2026743814
Transaction Type	Mortgage
Record Updated	Sep 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	304 MAIN ST, MURRAY, KY 42071-2151

Mortgage

Document Number	0000743814,
Date	Sep 21, 2026
Book Page	1560/338
Instrument	2026743814

Lender

Name	COMMUNITY FINANCIAL SERVICES BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 20, 2046

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALLOWAY KY
Recording Date	Nov 21, 2022
Property Address	304 MAIN ST, MURRAY, KY 42071-2151
Document Number	001396/455
Book / Page	1396 / 455
Instrument Date	Nov 18, 2022
Instrument	662169
Transaction Type	Transfer
Record Updated	Dec 20, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$125.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2282 COLES CAMPGROUND RD, MURRAY, KY 42071-7400

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	709 ELM ST, MURRAY, KY 42071-2621

Mortgage

Document Number	0000662170
Date	Nov 21, 2022
Instrument	662170

Lender

Name	COMMUNITY FINANCIAL SERVICES BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Nov 20, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	Murray Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$471.00 (-0.42%)	$125,000 (-)	$125,000 (-)
2023	$473.00	$125,000	$125,000

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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 353 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Murray Electric System Fiber	1,000 / 1,000

May also be available: Verizon.

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