709 Elm St, Murray, KY 42071 Property Records

Calloway County property record for 709 Elm St, Murray, KY 42071

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,957 sqft · built 1945
Owner	Individual Name on Record
Last Sale	$169,500 (Aug 2018)
Tax Bill	$628 (2025)
Deeds & Mortgages	Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`007-0-0018-00007`

Property Details

APN / Parcel Number

Primary APN	`007-0-0018-00007`
Alternative APN	`1339`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,957 sqft Living Area
Basement Area	836 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1945
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Garage Type	Basement
Garage Area	304 sqft
Parking Spaces	1 Parking Space
Deck Area	836 sqft
Patio Area	528 sqft
Greenhouse	304 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1339
Street Address	709 ELM ST
City	MURRAY
State	KY
Zip	42071-2621
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	709 ELM
Jurisdiction	CALLOWAY KY
Township / Civil Division	MURRAY
Census Block Group	1
Census Block	1017
Census Tract	10500

Owner

Source: Calloway County records, as of December 22, 2025

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 Record
Co-owner	Co-owner on Record
Mailing Address	709 ELM ST, MURRAY, KY 42071-2621
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2018 · Amount on Record
Deed Sale	Aug 21, 2018 · Amount on Record
Prior Sale	Mar 29, 2012 · Amount on Record
Deed Document Number	629293
Deed Book / Page	1184 / 464
Record Updated	Jun 8, 2026

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALLOWAY KY
Recording Date	Aug 21, 2018
Property Address	709 ELM ST, MURRAY, KY 42071-2621
Document Number	001184/464
Book / Page	1184 / 464
Map Reference	MB 64 PG 412
Instrument Date	Aug 16, 2018
Instrument	629293
Transaction Type	Transfer
Record Updated	Jan 13, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$169.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	130 SPRING VALLEY RD, NASHVILLE, TN 37214-2822

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	709 ELM ST, MURRAY, KY 42071-2621

Mortgage

Document Number	0000629294
Date	Aug 21, 2018
Instrument	629294

Lender

Name	INDEPENDENCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2038

Tax Assessment & Valuation

Source: Calloway County assessment roll, as of November 1, 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	$628.00 (-0.48%)	$169,500 (-)	$169,500 (-)
2023	$631.00	$169,500	$169,500

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 · 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 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

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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