503 Elm St, Murray, KY 42071 Property Records

Calloway County property record for 503 Elm St, Murray, KY 42071

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,079 sqft · built 1998
Owner	Individual Name on File
Last Sale	$66,000 (Sep 2019)
Tax Bill	$262 (2025)
Deeds & Mortgages	Sep 2019 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`010-0-0004-00005`

Property Details

APN / Parcel Number

Primary APN	`010-0-0004-00005`
Alternative APN	`89573`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,079 sqft Living Area

Exterior

Year Built	Built 1998
Exterior Material	Aluminum/Vinyl
Construction Type	Adobe
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Porch	Porch
Porch Area	135 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	89573
Street Address	503 ELM ST
City	MURRAY
State	KY
Zip	42071-2617
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	503 ELM
Jurisdiction	CALLOWAY KY
Township / Civil Division	MURRAY
Census Block Group	1
Census Block	1016
Census Tract	10500

Owner

503 Elm St is owned by an individual who bought it in September 2019.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	303 S 6TH ST, MURRAY, KY 42071-2503
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	Sep 16, 2019 · Amount on File
Deed Sale	Sep 16, 2019 · Amount on File
Prior Sale	Jul 18, 2007 · Amount on File
Deed Document Number	636853
Deed Book / Page	1226 / 591
Record Updated	Jun 8, 2026

September 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CALLOWAY KY
Recording Date	Sep 16, 2019
Property Address	503 ELM ST, MURRAY, KY 42071-2617
Document Number	001226/591
Book / Page	1226 / 591
Map Reference	MB 25 PG 43 SL 2357
Instrument Date	Sep 13, 2019
Instrument	636853
Transaction Type	Transfer
Record Updated	Dec 23, 2025

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$66.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	303 SOUTH 6TH STREET, ELIZABETHTOWN, KY 42701

Mortgage

Document Number	0000636854
Date	Sep 16, 2019
Instrument	636854

Lender

Name	THE MURRAY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	300 Months
Due	Sep 10, 2044

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 503 Elm St was $262.

Source: Calloway County assessment roll, as of November 1, 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	$262.00	$66,000	$66,000
2023	$264.00	$66,000	$66,000

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

Flood

FEMA maps place 503 Elm St in Zone X, an area of moderate flood risk, within 100 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	10 (1978–1998)
Most Recent Claim	Sep 1998 · 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

Wildfire risk around 503 Elm St is low, with 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 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	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