602 Elm St, Murray, KY 42071 Property Records

Calloway County property record for 602 Elm St, Murray, KY 42071

Property Summary

Property Type	Single Family Home
Details	1,419 sqft
Lot Size	0.14 acres (6,300 sqft)
Owner	Individual Name on File
Last Sale	$225,000 (May 2026)
Tax Bill	$262 (2025)
Deeds & Mortgages	Feb 2008 Line of Credit May 2026 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`007-0-0017-00008`

Property Details

APN / Parcel Number

Primary APN	`007-0-0017-00008`
Alternative APN	`80066`

Interior

Stories	1 Story
Building Area	1,419 sqft Living Area
Basement Area	1,419 sqft
Unfinished Basement	1,419 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,300 sqft (0.14 acres)
Lot Dimensions	90 ft deep x 70 ft wide
Garage Type	Detached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	80066
Street Address	602 ELM ST
City	MURRAY
State	KY
Zip	42071-2620
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	602 ELM
Legal Subdivision	TOWN OF MURRAY
Jurisdiction	CALLOWAY KY
Township / Civil Division	MURRAY
Census Block Group	1
Census Block	1010
Census Tract	10500

Owner

602 Elm St is owned and occupied by an individual who bought it in May 2026.

Source: Calloway County records, as of August 24, 2026

Owner of Record	Individual Name on File
Mailing Address	310 S 6TH ST, MURRAY, KY 42071-2504
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2008	Deed of Trust, Mortgage · Line of Credit US BANK NA ND
May 26, 2026	Warranty Deed, Transfer · Conventional Mortgage KENTUCKY HOUSING CORPORATION
Apr 27, 2026	Deed of Trust, Mortgage · Line of Credit COMMUNITY FINANCIAL SERVICES BANK
Mar 20, 2020	Intrafamily Transfer, Transfer
Jan 2, 2020	Deed, Transfer · Line of Credit COMMUNITY FINANCIAL SERVICES BANK
Oct 19, 2018	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 26, 2026 · Amount on File
Deed Sale	May 26, 2026 · Amount on File
Prior Sale	Jan 2, 2020 · Amount on File
Deed Document Number	2026726125
Deed Book / Page	1544 / 293
Prior Transfer Date	Mar 18, 2020
Prior Transfer Doc	001247/359
Record Updated	Oct 29, 2026

February 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLOWAY KY
Property Address	602 ELM ST, MURRAY, KY 42071-2620
Transaction Type	Mortgage
Record Updated	Jun 12, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000730/768
Date	Feb 11, 2008
Book Page	0730/768
Instrument	519340

Lender

Name	US BANK NA ND
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Jan 16, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALLOWAY KY
Recording Date	May 26, 2026
Property Address	602 ELM ST, MURRAY, KY 42071-2620
Document Number	0000726125
Book / Page	1544 / 293
Instrument Date	May 21, 2026
Instrument	2026726125
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	HOME TEAM TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$22,725.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	310 S 6TH ST, MURRAY, KY 42071-2504

Mortgage

Document Number	0000726125,
Date	May 26, 2026
Book Page	1544/320
Instrument	2026726125

Lender

Name	KENTUCKY HOUSING CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.74%
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	1544000329,
Date	May 26, 2026
Book Page	1544/329

Lender

Name	KENTUCKY HOUSING CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	15 Months
Due	Jun 1, 2041

Interest

Rate	6.37%
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLOWAY KY
Recording Date	Apr 27, 2026
Property Address	602 ELM ST, MURRAY, KY 42071-2620
Document Number	0000725585
Book / Page	1540 / 232
Instrument Date	Apr 16, 2026
Instrument	2026725585
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	602 ELM ST, MURRAY, KY 42071-2620

Mortgage

Document Number	0000725585,
Date	Apr 27, 2026
Book Page	1540/232
Instrument	2026725585

Lender

Name	COMMUNITY FINANCIAL SERVICES BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	May 10, 2041

Interest

Rate Type	Adjustable Rate
Rate	5.54%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CALLOWAY KY
Recording Date	Mar 20, 2020
Property Address	602 ELM ST, MURRAY, KY 42071-2620
Document Number	001247/359
Book / Page	1247 / 359
Map Reference	MB H PG 496&497
Instrument Date	Mar 18, 2020
Instrument	640194
Transaction Type	Transfer
Record Updated	Jun 12, 2026

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	310 S 6TH ST, MURRAY, KY 42071-2504

January 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CALLOWAY KY
Recording Date	Jan 2, 2020
Property Address	602 ELM ST, MURRAY, KY 42071-2620
Document Number	001239/167
Book / Page	1239 / 167
Instrument Date	Jan 2, 2020
Instrument	638860
Transaction Type	Transfer
Record Updated	Jun 12, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$115.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	602 ELM ST, MURRAY, KY 42071-2620

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	602 ELM ST, MURRAY, KY 42071-2620

Mortgage

Document Number	0000638861
Date	Jan 2, 2020
Instrument	638861

Lender

Name	COMMUNITY FINANCIAL SERVICES BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALLOWAY KY
Recording Date	Oct 19, 2018
Property Address	602 ELM ST, MURRAY, KY 42071-2620
Document Number	001191/397
Book / Page	1191 / 397
Map Reference	DD H PG 496
Instrument Date	Oct 19, 2018
Instrument	630542
Transaction Type	Transfer
Record Updated	Jun 12, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$95.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9 MASTER DR, MURRAY, KY 42071-4720

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	726 OLD UNION LOOP, PARIS, TN 38242-7324

Mortgage

Document Number	0000630543
Date	Oct 19, 2018
Instrument	630543

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 602 Elm St was $262 with a homeowner's exemption.

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	$262.00 Homeowner's exemption	$115,000	$115,000
2023	$273.00 Homeowner's exemption	$115,000	$115,000

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

Flood

FEMA maps place 602 Elm St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	10 (1978–1998)
Most Recent Claim	Sep 1998 · 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

Wildfire risk around 602 Elm 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.

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

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Murray Electric System Fiber	1,000 / 1,000

May also be available: Verizon.

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