522 E Main St, Morganfield, KY 42437 Property Records

Union County property record for 522 E Main St, Morganfield, KY 42437 · Last verified November 2025

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,980 sqft
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on File
Last Sale	$135,500 (Mar 2012)
Tax Bill	$1,638 (2025)
Deeds & Mortgages	Mar 2021 Refinance Aug 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M4-09-04`

Property Details

APN / Parcel Number

Primary APN	`M4-09-04`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,980 sqft Adjusted Area

Exterior

Exterior Material	Brick Veneer
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	17,424 sqft (0.4 acres)
Garage Area	1,980 sqft
Parking Spaces	6 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	522 E MAIN ST
City	MORGANFIELD
State	KY
Zip	42437-1516
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	522 E MAIN ST
Jurisdiction	UNION KY
Township / Civil Division	MORGANFIELD
Census Block Group	3
Census Block	3004
Census Tract	950201

Owner

Source: Union County records · APN M4-09-04

Assessment roll updated April 1, 2025 · Last verified November 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	522 E MAIN ST, MORGANFIELD, KY 42437-1516
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance STERLING UNITED FCU
Aug 01, 2017	Deed of Trust, Mortgage STERLING UNITED FCU
Jan 10, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance STERLING UNITED FCU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 19, 2012 · Amount on Record
Deed Sale	Mar 19, 2012 · Amount on Record
Deed Document Number	2012-00000797
Deed Book / Page	0348 / 0408
Record Updated	Jun 08, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION KY
Property Address	522 E MAIN ST, MORGANFIELD, KY 42437-1516
Transaction Type	Mortgage
Record Updated	Apr 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	457/709
Date	Mar 29, 2021
Book Page	457/709

Lender

Name	STERLING UNITED FCU

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Apr 01, 2036

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION KY
Property Address	522 E MAIN ST, MORGANFIELD, KY 42437-1516
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0429/0483
Date	Aug 01, 2017
Book Page	0429/0483
Instrument	2017-00001464

Lender

Name	STERLING UNITED FCU
Type	Credit Union
Address	EVANSVILLE, IN 47710

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Aug 01, 2032

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	UNION KY
Property Address	522 E MAIN ST, MORGANFIELD, KY 42437-1516
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	440/225
Date	Jan 10, 2019
Book Page	440/225
Instrument	20190-00000087

Lender

Name	STERLING UNITED FCU

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Feb 01, 2034

Tax Assessment & Valuation

Source: Union County records · Assessment roll updated April 1, 2025 · Last verified November 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Union County
Municipality	Morganfield City
Unified School District	Union County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,638.00 (+17%)	$159,310 (+17.57%) Land $13,000 Building $146,310	$159,310 (+17.57%) Land $13,000 Building $146,310
2023	$1,400.00	$135,500 Land $13,000 Building $122,500	$135,500 Land $13,000 Building $122,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Union County (21225C), updated October 22, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 212259502013, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Claims	3 (1999–2005)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Nov 2005, river or lake flooding

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 142 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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