Calloway County property record for 604 Elm St, Murray, KY 42071
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 3,016 sqft · built 1970 |
| Lot Size | 0.39 acres (17,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $260,000 (Jun 2026) |
| Tax Bill | $280 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 007-0-0017-00009 |
| Primary APN | 007-0-0017-00009 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 3,016 sqft Living Area |
| Family Room | Family Room |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 17,000 sqft (0.39 acres) |
| Lot Dimensions | 200 ft deep x 85 ft wide |
| Garage Type | Carport |
| Garage Area | 520 sqft |
| Carport | Carport |
| Carport Area | 520 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 208 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Account Number | 84192 |
|---|---|
| Street Address | 604 ELM ST |
| City | MURRAY |
| State | KY |
| Zip | 42071-2620 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 604 ELM |
| Jurisdiction | CALLOWAY KY |
| Township / Civil Division | MURRAY |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 10500 |
604 Elm St is owned and occupied by an individual who bought it in June 2026.
Source: Calloway County records, as of June 11, 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 | 602 ELM ST, MURRAY, KY 42071-2620 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 2, 2026 · Amount on File |
| Deed Sale | Jun 2, 2026 · Amount on File |
| Deed Document Number | 2026726257 |
| Deed Book / Page | 1545 / 297 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CALLOWAY KY |
| Recording Date | Jun 2, 2026 |
| Property Address | 604 ELM ST, MURRAY, KY 42071-2620 |
| Document Number | 0000726257 |
| Book / Page | 1545 / 297 |
| Instrument Date | Jun 1, 2026 |
| Instrument | 2026726257 |
| Transaction Type | Transfer |
| Record Updated | Jun 11, 2026 |
| Title Company | HOME TEAM TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $26,260.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 602 ELM ST, MURRAY, KY 42071-2620 |
| Document Number | 0000726258, |
|---|---|
| Date | Jun 2, 2026 |
| Instrument | 2026726258 |
| Name | COMMUNITY FINANCIAL SERVICES BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
The 2025 property tax bill for 604 Elm St was $280 with a homeowner's exemption.
Source: Calloway County assessment roll, as of December 23, 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 | $280.00 Homeowner's exemption | $120,000 | $120,000 |
| 2023 | $291.00 Homeowner's exemption | $120,000 | $120,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 604 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 risk around 604 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.
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 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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