407 S 4th St, Murray, KY 42071 Property Records

Calloway County property record for 407 S 4th St, Murray, KY 42071

Property Summary

Property Type	Auto Repair, Garage
Details	2,600 sqft
Lot Size	0.46 acres (20,000 sqft)
Owner	2 Individual Names on File
Last Sale	$130,000 (Jun 2023)
Tax Bill	$488 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-0-0019-00024`

Property Details

APN / Parcel Number

Primary APN	`010-0-0019-00024`
Alternative APNs	`34585` `98390` `98389`

Interior

Stories	1 Story
Building Area	2,600 sqft Total Area
1st Floor Area	2,600 sqft

Exterior

Exterior Material	Concrete Block
Roof Material	Tar & Gravel
Lot Area	20,000 sqft (0.46 acres)
Lot Dimensions	200 ft deep x 100 ft wide

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Account Number	98389
Street Address	407 S 4TH ST
City	MURRAY
State	KY
Zip	42071-2601
Property Category	Commercial
Property Type	Commercial > Retail > Auto Repair, Garage
Legal Description	407 S 4TH
Jurisdiction	CALLOWAY KY
Township / Civil Division	MURRAY
Census Block Group	4
Census Block	4027
Census Tract	10500

Owner

407 S 4th St, a commercial property, is owned by two individuals who bought it in June 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	241 PASSAGE DR, MURRAY, KY 42071-5402
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 2023 · Amount on File
Deed Sale	Jun 1, 2023 · Amount on File
Deed Document Number	2023683916
Deed Book / Page	1418 / 410
Prior Transfer Date	Jul 20, 2006
Prior Transfer Doc	000661/676
Record Updated	Jun 8, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALLOWAY KY
Recording Date	Jun 1, 2023
Property Address	407 S 4TH ST, MURRAY, KY 42071-2601
Document Number	001418/410
Book / Page	1418 / 410
Instrument Date	May 31, 2023
Instrument	683916
Transaction Type	Transfer
Record Updated	Sep 29, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$130.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6118 MCCORMACK CT, BOWLING GREEN, KY 42103-7728

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	241 PASSAGE DR, MURRAY, KY 42071-5402

Mortgage

Document Number	001418/414
Date	Jun 1, 2023
Book Page	1418/414
Instrument	683917

Lender

Name	THE MURRAY BANK
Type	Bank
Address	MURRAY, KY 42071

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	300 Months
Due	Jun 1, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 407 S 4th St was $488.

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	$488.00	$130,000	$130,000
2023	$388.00 (-1.27%)	$101,000 (-)	$101,000 (-)
2022	$393.00	$101,000	$101,000

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

Flood

FEMA maps place 407 S 4th St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (2013–2016)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jul 2016 · Severe Storm, Tornadoes, Flooding, Landslides, And Mudslides

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 407 S 4th 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 94% of the US · lower than 95% 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.

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 216 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Murray Electric System Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20