Calloway County property record for 520 S 4th St, Murray, KY 42071
| Property Type | Commercial |
|---|---|
| Details | 1,757 sqft |
| Lot Size | 0.553 acres (24,089 sqft) |
| Owner | Company Name on File |
| Tax Bill | $294 (2025) |
| Deeds & Mortgages | Sep 2021 Line of Credit Jul 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-0-0005-00015 |
| Primary APN | 010-0-0005-00015 |
|---|---|
| Alternative APN |
|
| Building Area | 1,757 sqft Total Area |
|---|
| Lot Area | 24,089 sqft (0.553 acres) |
|---|
| Account Number | 3208 |
|---|---|
| Street Address | 520 S 4TH ST |
| City | MURRAY |
| State | KY |
| Zip | 42071-2646 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | 520 S 4TH |
| Jurisdiction | CALLOWAY KY |
| Township / Civil Division | MURRAY |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 10500 |
520 S 4th St, a commercial property, is owned by a company and is owner-occupied.
Source: Calloway County records, as of December 22, 2025
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 520 S 4TH ST, MURRAY, KY 42071-2646 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 16, 2021 | Deed of Trust, Mortgage · Line of Credit FNB BANK NA |
| Jul 2, 2020 | Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Deed Document Number | 0001077720 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALLOWAY KY |
| Property Address | 520 S 4TH ST, MURRAY, KY 42071-2646 |
| Transaction Type | Mortgage |
| Record Updated | Oct 14, 2021 |
| Name | Verified Name |
|---|---|
| Address | 520 S 4TH ST, MURRAY, KY 42071-2646 |
| Document Number | 1333/232 |
|---|---|
| Date | Sep 16, 2021 |
| Book Page | 1333/232 |
| Instrument | 651955 |
| Name | FNB BANK NA |
|---|---|
| Type | Bank |
| Address | MAYFIELD, KY 42066 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 71 Months |
| Due | Aug 30, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALLOWAY KY |
| Property Address | 520 S 4TH ST, MURRAY, KY 42071-2646 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 520 S 4TH ST, MURRAY, KY 42071-2646 |
| Document Number | 1261/308 |
|---|---|
| Date | Jul 2, 2020 |
| Book Page | 1261/308 |
| Instrument | 642016 |
| Name | FIRST FINANCIAL BANK NA |
|---|---|
| Type | Bank |
| Address | MURRAY, KY 42071 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 37 Months |
| Due | Aug 17, 2023 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 520 S 4th St was $294.
Source: Calloway County assessment roll, as of November 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Calloway County |
| Municipality | Murray City |
| Unified School District | Murray Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $294.00 | $75,000 | $75,000 |
| 2023 | $296.00 | $75,000 | $75,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 520 S 4th St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 29, 2010
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 520 S 4th 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.
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 |
| 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.
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 |
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