Union County property record for 520 E Spalding St, Morganfield, KY 42437
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 529 sqft · built 1971 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on File |
| Last Sale | $250,000 (Jul 2024) |
| Tax Bill | $2,571 (2025) |
| Deeds & Mortgages | Jul 2012 Mortgage Oct 2016 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M4-10-09 |
| Primary APN | M4-10-09 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 529 sqft Adjusted Area |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Exterior Material | Brick Veneer |
| Foundation Type | Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 100 ft deep x 100 ft wide |
| Garage Area | 506 sqft |
| Driveway | Concrete Driveway |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 520 E SPALDING ST |
|---|---|
| City | MORGANFIELD |
| State | KY |
| Zip | 42437-1780 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 520 E SPALDING ST |
| Legal Subdivision | RAWALLA HTS |
| Legal Block | A |
| Legal Lot Number | 3 |
| Jurisdiction | UNION KY |
| Township / Civil Division | MORGANFIELD |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 950201 |
520 E Spalding St is owned and occupied by an individual who bought it in July 2024.
Source: Union County records, as of October 19, 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 | 520 E SPALDING ST, MORGANFIELD, KY 42437-1780 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 9, 2012 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD MORTGAGE CO |
| Oct 12, 2016 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD MORTGAGE CO |
| Jul 10, 2024 | Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 10, 2024 · Amount on File |
| Deed Sale | Jul 10, 2024 · Amount on File |
| Prior Sale | Feb 10, 2011 · Amount on File |
| Deed Document Number | 2024365333 |
| Deed Book / Page | 404 / 256 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION KY |
| Property Address | 520 E SPALDING ST, MORGANFIELD, KY 42437-1780 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00394/0719 |
|---|---|
| Date | Jul 9, 2012 |
| Book Page | 0394/0719 |
| Instrument | 2012-00002093 |
| Name | FIFTH THIRD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45227 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION KY |
| Property Address | 520 E SPALDING ST, MORGANFIELD, KY 42437-1780 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00425/0191 |
|---|---|
| Date | Oct 12, 2016 |
| Book Page | 0425/0191 |
| Instrument | 2016-00002387 |
| Name | FIFTH THIRD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45227 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Nov 1, 2031 |
| Document Type | Deed |
|---|---|
| Jurisdiction | UNION KY |
| Recording Date | Jul 10, 2024 |
| Property Address | 520 E SPALDING ST, MORGANFIELD, KY 42437-1780 |
| Document Number | 00D404/256 |
| Book / Page | D404 / 256 |
| Instrument Date | Jul 8, 2024 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 520 E SPADING ST, MORGANFIELD, KY 42437-1780 |
| Document Number | 000M486415 |
|---|---|
| Date | Jul 10, 2024 |
| Instrument | M486/415 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2054 |
The 2025 property tax bill for 520 E Spalding St was $2,571.
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 | $2,571.00 | $250,000 Land $25,000 Building $225,000 | $250,000 Land $25,000 Building $225,000 |
| 2023 | $1,653.00 | $160,000 Land $12,500 Building $147,500 | $160,000 Land $12,500 Building $147,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 520 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 520 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 | UNION COUNTY WATER DISTRICT serves 6,117 people · EPA ID KY1130433 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Apr 2024 |
| Lead | 5 ppb (2021–2023) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Jan 2026 Haloacetic acids resolved · Jan 2026 |
|---|---|
| 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.
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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