305 S 15th St, Murray, KY 42071 Property Records

Calloway County property record for 305 S 15th St, Murray, KY 42071

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 854 sqft
Lot Size	0.49 acres (21,344 sqft)
Owner	Individual Name on File
Tax Bill	$340 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Apr 2025 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`004-0-0005-00023`

Property Details

APN / Parcel Number

Primary APN	`004-0-0005-00023`
Alternative APNs	`109251` `88118`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	854 sqft Living Area

Exterior

Exterior Material	Composition/Composite
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	21,344 sqft (0.49 acres)
Garage Area	455 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Radiant

Location & Zoning

Account Number	109251
Street Address	305 S 15TH ST
City	MURRAY
State	KY
Zip	42071-2309
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	305 S 15TH
Jurisdiction	CALLOWAY KY
Township / Civil Division	MURRAY
Census Block Group	1
Census Block	1014
Census Tract	10601

Owner

305 S 15th St is owned and occupied by an individual who acquired it in March 2025.

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

Owner of Record	Individual Name on File
Mailing Address	305 S 15TH ST, MURRAY, KY 42071-2309
Occupancy	Owner Occupied
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
Apr 22, 2026	Deed of Trust, Mortgage · Line of Credit MAINE MEDIA FEDERAL CREDIT UNION
Apr 4, 2025	Intrafamily Transfer, Transfer
Jul 30, 2021	Quit Claim Deed, Transfer · Construction Mortgage COMMUNITY FINANCIAL SERVICES BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 20, 2025
Transfer Doc	001494/238
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLOWAY KY
Recording Date	Apr 22, 2026
Property Address	305 S 15TH ST, MURRAY, KY 42071-2309
Document Number	0000725518
Book / Page	1539 / 545
Instrument Date	Apr 20, 2026
Instrument	2026725518
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	HOME TEAM TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 S 15TH ST, MURRAY, KY 42071-2309

Mortgage

Document Number	0000725518,
Date	Apr 22, 2026
Book Page	1539/545
Instrument	2026725518

Lender

Name	MAINE MEDIA FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	May 31, 2041

Interest

Rate	5.54%
Max Rate	-1%

April 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CALLOWAY KY
Recording Date	Apr 4, 2025
Property Address	305 S 15TH ST, MURRAY, KY 42071-2309
Document Number	001494/238
Book / Page	1494 / 238
Instrument Date	Mar 20, 2025
Instrument	694568
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
Address	4996 CROSSLAND RD, MURRAY, KY 42071-6908

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 S 15TH ST, MURRAY, KY 42071-2309

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CALLOWAY KY
Recording Date	Jul 30, 2021
Property Address	305 S 15TH ST, MURRAY, KY 42071-2309
Document Number	001326/419
Book / Page	1326 / 419
Instrument Date	Jun 17, 2021
Instrument	650963
Transaction Type	Transfer
Record Updated	Dec 23, 2025
Title Company	HOME TEAM TITLE, HOME TEAM TITLE LLC

Transaction

Tax	$88.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	904 BEE CREEK DR, MURRAY, KY 42071-8891

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4995 CROSSLAND RD, MURRAY, KY 42071-6908

Mortgage

Document Number	0000650964
Date	Jul 30, 2021
Instrument	650964

Lender

Name	COMMUNITY FINANCIAL SERVICES BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 30, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 305 S 15th St was $340.

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	$340.00	$88,000	$88,000
2023	$342.00	$88,000	$88,000

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

Flood

FEMA maps place 305 S 15th St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 305 S 15th St is low, with a 0.01% 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	0.01% 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 385 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Murray Electric System Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000

May also be available: AT&T, Verizon.

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