Union County property record for 331 E Spalding St, Morganfield, KY 42437
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,152 sqft |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | Individual Name on File |
| Last Sale | $97,500 (Oct 2016) |
| Tax Bill | $1,002 (2025) |
| Deeds & Mortgages | Apr 2024 Mortgage Feb 2022 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | M4-03-09 |
| Primary APN | M4-03-09 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,152 sqft Living Area |
| Exterior Material | Aluminum/Vinyl |
|---|---|
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 13,939 sqft (0.32 acres) |
| Lot Dimensions | 190 ft deep x 75 ft wide |
| Driveway | Gravel Driveway |
| Porch | Porch |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 331 E SPALDING ST |
|---|---|
| City | MORGANFIELD |
| State | KY |
| Zip | 42437-1768 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 331 E SPALDING ST |
| Legal Subdivision | WALLER HEIGHTS |
| Legal Block | A |
| Jurisdiction | UNION KY |
| Township / Civil Division | MORGANFIELD |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 950201 |
331 E Spalding St is owned and occupied by an individual who bought it in October 2016.
Source: Union County records, as of July 20, 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 | 331 E SPALDING ST, MORGANFIELD, KY 42437-1768 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 9, 2024 | Deed of Trust, Mortgage SECRETARY OF HOUSING URBAN & DEVELOPMENT |
| Feb 25, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance UNITED STATE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 24, 2016 · Amount on File |
| Deed Sale | Oct 24, 2016 · Amount on File |
| Prior Sale | Apr 5, 2012 · Amount on File |
| Deed Document Number | 20162502 |
| Deed Book / Page | 370 / 185 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION KY |
| Property Address | 331 E SPALDING ST, MORGANFIELD, KY 42437-1768 |
| Transaction Type | Mortgage |
| Record Updated | Apr 30, 2024 |
| Name | Verified Name |
|---|
| Document Number | 00M484/473 |
|---|---|
| Date | Apr 9, 2024 |
| Book Page | M484/473 |
| Name | SECRETARY OF HOUSING URBAN & DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Amount | Amount on Record |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION KY |
| Property Address | 331 E SPALDING ST, MORGANFIELD, KY 42437-1768 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000468/33 |
|---|---|
| Date | Feb 25, 2022 |
| Book Page | 468/33 |
| Name | UNITED STATE BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2052 |
The 2025 property tax bill for 331 E Spalding St was $1,002.
Source: Union County assessment roll, as of November 18, 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 | $1,002.00 | $97,500 Land $10,000 Building $87,500 | $97,500 Land $10,000 Building $87,500 |
| 2023 | $1,007.00 | $97,500 Land $10,000 Building $87,500 | $97,500 Land $10,000 Building $87,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 331 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 331 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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