Calloway County property record for 703 Howard Rd, Murray, KY 42071
| Property Type | Single Family Home |
|---|---|
| Lot Size | 2.01 acres (87,773 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,164 (2025) |
| Deeds & Mortgages | Oct 2025 Line of Credit Apr 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 006-0-0018-A |
| Primary APN | 006-0-0018-A |
|---|---|
| Alternative APN |
|
| Lot Area | 87,773 sqft (2.01 acres) |
|---|
| Account Number | 5372 |
|---|---|
| Street Address | 703 HOWARD RD |
| City | MURRAY |
| State | KY |
| Zip | 42071-4512 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 703 HOWARD ROAD |
| Jurisdiction | CALLOWAY KY |
| Township / Civil Division | HAZEL-LYNN GROVE |
| Census Block Group | 2 |
| Census Block | 2036 |
| Census Tract | 10700 |
Source: Calloway County records, as of December 22, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 703 HOWARD RD, MURRAY, KY 42071-4512 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 31, 2025 | Deed of Trust, Mortgage · Line of Credit INDEPENDENCE BANK OF KENTUCKY |
| Apr 6, 2023 | Deed of Trust, Mortgage · Conventional Mortgage INDEPENDENCE BANK OF KENTUCKY |
| Deed Names | 2 Names on Deed |
|---|---|
| Deed Document Number | 0000087377 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALLOWAY KY |
| Property Address | 703 HOWARD RD, MURRAY, KY 42071-4512 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2025 |
| Name | Verified Name |
|---|---|
| Address | 60 DARRELL DR, SPRINGVILLE, TN 38256-5039 |
| Document Number | 001520/638 |
|---|---|
| Date | Oct 31, 2025 |
| Book Page | 1520/638 |
| Instrument | 722890 |
| Name | INDEPENDENCE BANK OF KENTUCKY |
|---|---|
| Type | Bank |
| Address | 2425 FREDERICA ST, OWENSBORO, KY 42301 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Oct 24, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALLOWAY KY |
| Property Address | 703 HOWARD RD, MURRAY, KY 42071-4512 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2023 |
| Name | Verified Name |
|---|---|
| Address | 703 HOWARD RD, MURRAY, KY 42071-4512 |
| Document Number | 001411/107 |
|---|---|
| Date | Apr 6, 2023 |
| Book Page | 1411/107 |
| Instrument | 682955 |
| Name | INDEPENDENCE BANK OF KENTUCKY |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2053 |
Source: Calloway County assessment roll, as of November 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Calloway County |
| Unified School District | Calloway County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,164.00 (+18.64%) | $242,000 (+21%) | $242,000 (+21%) |
| 2023 | $1,824.00 | $200,000 | $200,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
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.
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.
Source: FCC Broadband Data Collection, based on 8 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 |
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