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406 Main St, Murray, KY 42071 Property Records

Calloway County property record for 406 Main St, Murray, KY 42071

Property Summary

Property TypeCommercial
OwnerCompany Name on File
Last Sale$150,000 (May 2024)
Tax Bill$218 (2023)
Deeds & MortgagesAug 2026 Construction Loan
Aug 2026 Construction Loan
Flood ZoneZone X (minimal risk)
APN009-0-0012-00009

Property Details

APN / Parcel Number

Primary APN009-0-0012-00009
Alternative APNs
  • 103651
  • 13219

Location & Zoning

Account Number103651
Street Address406 MAIN ST
CityMURRAY
StateKY
Zip42071-2059
Property CategoryCommercial
Property TypeCommercial > Retail
Legal Description406 MAIN SEE 9-12-9
JurisdictionCALLOWAY KY
Township / Civil DivisionMURRAY
Census Block Group2
Census Block2041
Census Tract10400

Historic Designation

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

Historic DistrictWithin 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

406 Main St, a commercial property, is owned by a company that bought it in May 2024.

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

Owner of RecordCompany Name on File
Owner TypeCompany

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

DateDocument
Aug 3, 2026Deed of Trust, Mortgage · Construction Mortgage
COMMUNITY FINANCIAL SERVICES BANK
Aug 3, 2026Deed of Trust, Mortgage · Construction Mortgage
COMMUNITY FINANCIAL SERVICES BANK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 1, 2024 · Amount on File
Deed SaleMay 1, 2024 · Amount on File
Deed Document Number689048
Deed Book / Page1455 / 218
Record UpdatedSep 20, 2026

August 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCALLOWAY KY
Recording DateAug 3, 2026
Property Address406 MAIN ST, MURRAY, KY 42071-2059
Document Number0000727300
Book / Page1553 / 337
Instrument DateJul 29, 2026
Instrument2026727300
Transaction TypeMortgage
Record UpdatedAug 13, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLimited Liability Partnership, 266
Address860 CLOVERDALE TRL, MURRAY, KY 42071-5016

Mortgage

Document Number0000727300,
DateAug 3, 2026
Book Page1553/337
Instrument2026727300
Lender
NameCOMMUNITY FINANCIAL SERVICES BANK
Agreement
TypeConstruction Mortgage
AmountAmount on Record
Term12 Months
DueAug 10, 2027
Interest
Rate TypeAdjustable Rate
Rate6.43%
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

August 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCALLOWAY KY
Recording DateAug 3, 2026
Property Address406 MAIN ST, MURRAY, KY 42071-2059
Document Number0000727302
Book / Page1553 / 352
Instrument DateJul 29, 2026
Instrument2026727302
Transaction TypeMortgage
Record UpdatedAug 13, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLimited Liability Partnership, 266
Address860 CLOVERDALE TRL, MURRAY, KY 42071-5016

Mortgage

Document Number0000727302,
DateAug 3, 2026
Book Page1553/352
Instrument2026727302
Lender
NameCOMMUNITY FINANCIAL SERVICES BANK
Agreement
TypeConstruction Mortgage
AmountAmount on Record
Term12 Months
DueAug 10, 2027
Interest
Rate TypeAdjustable Rate
Rate6.43%
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

Tax Assessment & Valuation

Source: Calloway County assessment roll, as of November 1, 2025

Property Jurisdictions

TypeName
StateKentucky
CountyCalloway County
MunicipalityMurray City
Unified School DistrictMurray Independent School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2023$218.00$61,500$61,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 406 Main St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 29, 2010

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

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

Wildfire

The area around 406 Main St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire RiskNot 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 SystemMURRAY WATER SYSTEM
serves 26,302 people · EPA ID KY0180306
Water SourceGroundwater
Last State InspectionJul 2024
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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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