515 Whitnell Ave, Murray, KY 42071 Property Records

Calloway County property record for 515 Whitnell Ave, Murray, KY 42071

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 999 sqft
Lot Size	0.2 acres (8,820 sqft)
Owner	2 Individual Names on Record
Last Sale	$121,000 (Feb 2017)
Tax Bill	$457 (2025)
Deeds & Mortgages	Dec 2021 Line of Credit Jul 2025 Sale & Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`005-0-0018-00018`

Property Details

APN / Parcel Number

Primary APN	`005-0-0018-00018`
Alternative APNs	`110311` `90018`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	999 sqft Living Area
Family Room	Family Room

Exterior

Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,820 sqft (0.2 acres)
Lot Dimensions	126 ft deep x 70 ft wide

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Radiant

Location & Zoning

Account Number	110311
Street Address	515 WHITNELL AVE
City	MURRAY
State	KY
Zip	42071-2911
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	515 WHITNELL
Legal Subdivision	WILLIAM WHITNELL ADD MURRAY
Jurisdiction	CALLOWAY KY
Township / Civil Division	MURRAY
Census Block Group	2
Census Block	2001
Census Tract	10601

Owner

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

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	2 Individual Names on Record
Mailing Address	515 WHITNELL AVE, MURRAY, KY 42071-2911
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2021	Deed of Trust, Mortgage · Line of Credit THE MURRAY BANK
Jul 7, 2025	Warranty Deed, Transfer · Line of Credit FIRSTTRUST HOME LOANS INC
Nov 5, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage CRESCENT MORTGAGE CO
Feb 2, 2017	Warranty Deed, Transfer · Line of Credit THE MURRAY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 2, 2017 · Amount on Record
Deed Sale	Feb 2, 2017 · Amount on Record
Deed Document Number	2017608597
Deed Book / Page	1123 / 224
Last Transfer Date	Oct 29, 2021
Transfer Doc	001343/537
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLOWAY KY
Property Address	515 WHITNELL AVE, MURRAY, KY 42071-2911
Transaction Type	Mortgage
Record Updated	Dec 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 WHITNELL AVE, MURRAY, KY 42071-2911

Mortgage

Document Number	001349/364
Date	Dec 15, 2021
Book Page	1349/364
Instrument	654297

Lender

Name	THE MURRAY BANK
Type	Bank
Address	MURRAY, KY 42071

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALLOWAY KY
Recording Date	Jul 7, 2025
Property Address	515 WHITNELL AVE, MURRAY, KY 42071-2911
Document Number	001505/479
Book / Page	1505 / 479
Instrument Date	Jul 3, 2025
Instrument	714114
Transaction Type	Transfer
Record Updated	Dec 23, 2025
Title Company	HOME TEAM TITLE, HOME TEAM TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$189.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	802 S 17TH ST, MURRAY, KY 42071-2257

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 WHITNELL AVE, MURRAY, KY 42071-2911

Mortgage

Document Number	0000714115
Date	Jul 7, 2025
Instrument	714115

Lender

Name	FIRSTTRUST HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2055

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CALLOWAY KY
Recording Date	Nov 5, 2021
Property Address	515 WHITNELL AVE, MURRAY, KY 42071-2911
Document Number	001343/537
Book / Page	1343 / 537
Instrument Date	Oct 29, 2021
Instrument	653463
Transaction Type	Transfer
Record Updated	Dec 23, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	515 WHITNELL AVE, MURRAY, KY 42071-2911

Mortgage

Document Number	0000653464
Date	Nov 5, 2021
Instrument	653464

Lender

Name	CRESCENT MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALLOWAY KY
Recording Date	Feb 2, 2017
Property Address	515 WHITNELL AVE, MURRAY, KY 42071-2911
Document Number	001123/224
Book / Page	1123 / 224
Instrument Date	Feb 1, 2017
Instrument	608597
Transaction Type	Transfer
Record Updated	Dec 23, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$121.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1701 PARKLANE DR, MURRAY, KY 42071-2836

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 WHITNELL AVE, MURRAY, KY 42071-2911

Mortgage

Document Number	0000608598
Date	Feb 2, 2017
Instrument	608598

Lender

Name	THE MURRAY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Feb 5, 2042

Tax Assessment & Valuation

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	$457.00 (-0.44%)	$121,000 (-)	$121,000 (-)
2023	$459.00	$121,000	$121,000

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Murray Electric System Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000

May also be available: AT&T, Verizon.

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