Union County property record for 521 E Spalding St, Morganfield, KY 42437
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 625 sqft · built 1967 |
| Lot Size | 0.919 acres (40,075 sqft) |
| Owner | Individual Name on File |
| Last Sale | $295,000 (Feb 2021) |
| Tax Bill | $3,280 (2025) |
| Deeds & Mortgages | Feb 2023 Refinance Feb 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | M4-10-05 |
| Primary APN | M4-10-05 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 625 sqft Adjusted Area |
| Year Built | Built 1967 |
|---|---|
| Exterior Material | Brick Veneer |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 40,075 sqft (0.919 acres) |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 521 E SPALDING ST |
|---|---|
| City | MORGANFIELD |
| State | KY |
| Zip | 42437-1764 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 521 E SPALDING ST |
| Legal Subdivision | RAWALLA HTS |
| Jurisdiction | UNION KY |
| Township / Civil Division | MORGANFIELD |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 950201 |
521 E Spalding St is owned and occupied by an individual who bought it in February 2021.
Source: Union County records, as of November 17, 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 | Individual Name on File |
|---|---|
| Mailing Address | 521 E SPALDING ST, MORGANFIELD, KY 42437-1764 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 16, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance OLD NATIONAL BANK |
| Feb 22, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance OLD NATIONAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 22, 2021 · Amount on File |
| Deed Sale | Feb 22, 2021 · Amount on File |
| Deed Document Number | 0000390207 |
| Deed Book / Page | 390 / 207 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION KY |
| Property Address | 521 E SPALDING ST, MORGANFIELD, KY 42437-1764 |
| Transaction Type | Mortgage |
| Record Updated | Mar 15, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000477/58 |
|---|---|
| Date | Feb 16, 2023 |
| Book Page | 477/58 |
| Name | OLD NATIONAL BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION KY |
| Property Address | 521 E SPALDING ST, MORGANFIELD, KY 42437-1764 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2021 |
| Name | Verified Name |
|---|
| Document Number | 456/468 |
|---|---|
| Date | Feb 22, 2021 |
| Book Page | 456/468 |
| Name | OLD NATIONAL BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
The 2025 property tax bill for 521 E Spalding St was $3,280.
Source: Union County assessment roll, as of April 1, 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 | $3,280.00 | $319,000 Land $20,000 Building $299,000 | $319,000 Land $20,000 Building $299,000 |
| 2023 | $3,048.00 | $295,000 Land $20,000 Building $275,000 | $295,000 Land $20,000 Building $275,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 521 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 521 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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