322 Laurel Ln, Murray, KY 42071 Property Records

Calloway County property record for 322 Laurel Ln, Murray, KY 42071

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 3,366 sqft · built 1996
Lot Size	10 acres (435,600 sqft)
Owner	Individual Name on Record
Last Sale	$310,000 (Sep 2019)
Tax Bill	$2,984 (2025)
Deeds & Mortgages	Jun 2021 Second Mortgage Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`023-0-0021-A`

Property Details

APN / Parcel Number

Primary APN	`023-0-0021-A`
Alternative APN	`44467`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	3,366 sqft Living Area
Basement Area	1,215 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	435,600 sqft (10 acres)
Garage Area	1,969 sqft
Parking Spaces	7 Parking Spaces
Porch	Porch
Porch Area	657 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	44467
Street Address	322 LAUREL LN
City	MURRAY
State	KY
Zip	42071-8357
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	322 LAUREL LANE 10 ACRES
Jurisdiction	CALLOWAY KY
Township / Civil Division	KIRKSEY
Census Block Group	2
Census Block	2117
Census Tract	10200

Owner

Source: Calloway County records, as of December 22, 2025

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	322 LAUREL LN, MURRAY, KY 42071-8357
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage RIVER VALLEY AGCREDIT ACA
Sep 20, 2019	Deed, Transfer · Stand-Alone First Mortgage INDEPENDENCE BANK OF KENTUCKY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 2019 · Amount on Record
Deed Sale	Sep 20, 2019 · Amount on Record
Deed Document Number	636933
Deed Book / Page	1227 / 278
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLOWAY KY
Property Address	322 LAUREL LN, MURRAY, KY 42071-8357
Transaction Type	Mortgage
Record Updated	Aug 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 LAUREL LN, MURRAY, KY 42071-8357

Mortgage

Document Number	001320/120
Date	Jun 24, 2021
Book Page	1320/120
Instrument	650068

Lender

Name	RIVER VALLEY AGCREDIT ACA
Type	Bank

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jul 1, 2041

September 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CALLOWAY KY
Recording Date	Sep 20, 2019
Property Address	322 LAUREL LN, MURRAY, KY 42071-8357
Document Number	001227/278
Book / Page	1227 / 278
Instrument Date	Sep 18, 2019
Instrument	636933
Transaction Type	Transfer
Record Updated	Aug 11, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$310.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	322 LAUREL LN, MURRAY, KY 42071-8357

Mortgage

Document Number	001227/281
Date	Sep 20, 2019
Book Page	1227/281
Instrument	636934

Lender

Name	INDEPENDENCE BANK OF KENTUCKY
Type	Bank
Address	OWENSBORO, KY 42302

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

Source: Calloway County assessment roll, as of November 1, 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	$2,984.00 (+6.19%)	$335,000 (+8.06%)	$335,000 (+8.06%)
2023	$2,810.00 (-1.95%)	$310,000 (-)	$310,000 (-)
2022	$2,866.00	$310,000	$310,000

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	25 / 3

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