Union County property record for 319 E Spalding St, Morganfield, KY 42437
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 420 sqft |
| Lot Size | 0.38 acres (16,553 sqft) |
| Owner | Individual Name on File |
| Last Sale | $135,000 (May 2024) |
| Tax Bill | $1,388 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit Feb 2021 Refinance + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M4-03-11 |
| Primary APN | M4-03-11 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 420 sqft Adjusted Area |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Foundation Type | Stone |
| Roof Material | Composition Shingle |
| Lot Area | 16,553 sqft (0.38 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 319 E SPALDING ST |
|---|---|
| City | MORGANFIELD |
| State | KY |
| Zip | 42437-1768 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 319 E SPALDING ST |
| Jurisdiction | UNION KY |
| Township / Civil Division | MORGANFIELD |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 950201 |
319 E Spalding St is owned and occupied by an individual who bought it in May 2024.
Source: Union County records, as of January 19, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 319 E SPALDING ST, MORGANFIELD, KY 42437-1768 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 3, 2026 | Deed of Trust, Mortgage · Line of Credit NONE LISTED ON DOCUMENT |
| Feb 5, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Jul 16, 2021 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC |
| May 24, 2024 | Deed, Transfer |
| Mar 8, 2019 | Deed, Transfer · Stand-Alone First Mortgage UNITED COMMUNITY BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 24, 2024 · Amount on File |
| Deed Sale | May 24, 2024 · Amount on File |
| Prior Sale | Mar 8, 2019 · Amount on File |
| Deed Document Number | 000D403565 |
| Deed Book / Page | D403 / 565 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION KY |
| Recording Date | Sep 3, 2026 |
| Property Address | 319 E SPALDING ST, MORGANFIELD, KY 42437-1768 |
| Document Number | 0000435224 |
| Book / Page | 503 / 286 |
| Instrument Date | Aug 28, 2026 |
| Instrument | 2026435224 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 319 E SPALDING ST, MORGANFIELD, KY 42437-1768 |
| Document Number | 0000435224, |
|---|---|
| Date | Sep 3, 2026 |
| Book Page | 503/286 |
| Instrument | 2026435224 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 108 Months |
| Due | Sep 28, 2035 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION KY |
| Property Address | 319 E SPALDING ST, MORGANFIELD, KY 42437-1768 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000456/158 |
|---|---|
| Date | Feb 5, 2021 |
| Book Page | 456/158 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 133 Months |
| Due | Mar 1, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION KY |
| Property Address | 319 E SPALDING ST, MORGANFIELD, KY 42437-1768 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000461/114 |
|---|---|
| Date | Jul 16, 2021 |
| Book Page | 461/114 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | UNION KY |
| Recording Date | May 24, 2024 |
| Property Address | 319 E SPALDING ST, MORGANFIELD, KY 42437-1768 |
| Document Number | 00D403/565 |
| Book / Page | D403 / 565 |
| Instrument Date | May 22, 2024 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 319 E SPALDING ST, MORGANFIELD, KY 42437-1768 |
| Document Type | Deed |
|---|---|
| Jurisdiction | UNION KY |
| Recording Date | Mar 8, 2019 |
| Property Address | 319 E SPALDING ST, MORGANFIELD, KY 42437-1768 |
| Document Number | 000381/736 |
| Book / Page | 381 / 736 |
| Instrument Date | Jun 3, 2018 |
| Instrument | 2019-0000435 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 714 E MAIN ST, MORGANFIELD, KY 42437-1519 |
| Document Number | 19000000435 |
|---|---|
| Date | Mar 8, 2019 |
| Instrument | 190-00000435 |
| Name | UNITED COMMUNITY BANK |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 319 E Spalding St was $1,388.
Source: Union County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Union County |
| Municipality | Morganfield City |
| Unified School District | Union County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,388.00 | $135,000 Land $20,000 Building $115,000 | $135,000 Land $20,000 Building $115,000 |
| 2023 | $327.00 Homeowner's exemption | $78,000 Land $10,000 Building $68,000 | $78,000 Land $10,000 Building $68,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 319 E Spalding St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1999.
Source: FEMA National Flood Hazard Layer, effective October 22, 2025 · 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 Claims | 3 (1999–2005) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Nov 2005 · river or lake flooding |
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 risk around 319 E Spalding St is low, with less than 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 96% of the US · lower than 96% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MORGANFIELD WATER WORKS serves 5,170 people · EPA ID KY1130293 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Apr 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
Listed by EPA as a serious violator.
| Water Quality | Total trihalomethanes not recorded as resolved · Apr 2026 E. coli resolved · Oct 2022 |
|---|---|
| Treatment and Procedure | Organic carbon removal Apr 2026 |
| 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.
Source: FCC Broadband Data Collection, based on 331 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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