678 Cindy Dr, Murray, KY 42071 Property Records

Calloway County property record for 678 Cindy Dr, Murray, KY 42071

Property Summary

Property Type	Single Family Home
Details	1,249 sqft
Lot Size	0.262 acres (11,414 sqft)
Owner	Individual Name on Record
Last Sale	$70,000 (Nov 2017)
Tax Bill	$647 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Nov 2017 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`092-A-0160`

Property Details

APN / Parcel Number

Primary APN	`092-A-0160`
Alternative APN	`2979`

Interior

Building Area	1,249 sqft Living Area

Exterior

Architectural Style	A-Frame
Exterior Material	Stone
Construction Type	Manufactured
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,414 sqft (0.262 acres)
Garage Area	842 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	153 sqft
Patio Area	420 sqft
Greenhouse	842 sqft
Poultry House	153 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	2979
Street Address	678 CINDY DR
City	MURRAY
State	KY
Zip	42071-6254
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	678 CINDY DRIVE
Legal Subdivision	A1
Jurisdiction	CALLOWAY KY
Township / Civil Division	SHILOH
Census Block Group	4
Census Block	4008
Census Tract	10100

Owner

Source: Calloway County records, as of October 9, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	678 CINDY DR, MURRAY, KY 42071-6254
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2026	Deed of Trust, Mortgage · Line of Credit MURRAY BANK
Nov 27, 2017	Warranty Deed, Transfer · Line of Credit THE MURRAY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 27, 2017 · Amount on Record
Deed Sale	Nov 27, 2017 · Amount on Record
Deed Document Number	2017624504
Deed Book / Page	1157 / 348
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLOWAY KY
Recording Date	Sep 29, 2026
Property Address	678 CINDY DR, MURRAY, KY 42071-6254
Document Number	0000743945
Book / Page	1561 / 180
Instrument Date	Sep 16, 2026
Instrument	2026743945
Transaction Type	Mortgage
Record Updated	Oct 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42 CONNIE DR, MURRAY, KY 42071-6203

Mortgage

Document Number	0000743945,
Date	Sep 29, 2026
Book Page	1561/180
Instrument	2026743945

Lender

Name	MURRAY BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Sep 15, 2041

Interest

Max Rate	-1%

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALLOWAY KY
Recording Date	Nov 27, 2017
Property Address	678 CINDY DR, MURRAY, KY 42071-6254
Document Number	001157/348
Book / Page	1157 / 348
Map Reference	MB 4 PG 54
Instrument Date	Nov 20, 2017
Instrument	624504
Transaction Type	Transfer
Record Updated	Jan 13, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$70.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	678 CINDY DR, MURRAY, KY 42071-6254

Mortgage

Document Number	0000624505
Date	Nov 27, 2017
Instrument	624505

Lender

Name	THE MURRAY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Nov 30, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Calloway County assessment roll, as of December 23, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Calloway County
Unified School District	Calloway County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$647.00 (-1.52%)	$70,000 (-)	$70,000 (-)
2023	$657.00	$70,000	$70,000

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

Flood

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

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	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 112 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
West Kentucky Rural Telephone Cooperative Fiber	2,000 / 2,000
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Cindy Dr

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