Calloway County property record for 820 Coldwater Rd, Murray, KY 42071
| Property Type | Retail Stores (Personal Services, Photography, Travel) |
|---|---|
| Details | 1,200 sqft |
| Owner | Individual Name on Record |
| Last Sale | $60,000 (Dec 2023) |
| Tax Bill | $241 (2025) |
| Deeds & Mortgages | Dec 2023 Sale & Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 001-0-0017-0003A |
| Primary APN | 001-0-0017-0003A |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,200 sqft Total Area |
| Exterior Material | Concrete Block |
|---|---|
| Roof Material | Other |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 101760 |
|---|---|
| Street Address | 820 COLDWATER RD |
| City | MURRAY |
| State | KY |
| Zip | 42071-1663 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Retail Stores (Personal Services, Photography, Travel) |
| Legal Description | 820 COLDWATER |
| Jurisdiction | CALLOWAY KY |
| Township / Civil Division | MURRAY |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 10303 |
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 |
|---|---|
| Mailing Address | 805 SHA WA CT, MURRAY, KY 42071-1551 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 11, 2023 · Amount on Record |
| Deed Sale | Dec 11, 2023 · Amount on Record |
| Deed Document Number | 686969 |
| Deed Book / Page | 1440 / 123 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CALLOWAY KY |
| Recording Date | Dec 11, 2023 |
| Property Address | 820 COLDWATER RD, MURRAY, KY 42071-1663 |
| Document Number | 001440/123 |
| Book / Page | 1440 / 123 |
| Instrument Date | Dec 8, 2023 |
| Instrument | 686969 |
| Transaction Type | Transfer |
| Record Updated | Dec 28, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $60.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 523 S 3RD ST, MAYFIELD, KY 42066-2709 |
| Name | Verified Name |
|---|---|
| Address | 805 SHA WA CT, MURRAY, KY 42071-1551 |
| Document Number | 001440/126 |
|---|---|
| Date | Dec 11, 2023 |
| Book Page | 1440/126 |
| Instrument | 686970 |
| Name | THE MURRAY BANK |
|---|---|
| Type | Bank |
| Address | MURRAY, KY 42071 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 6, 2043 |
| Rate Type | Adjustable Rate |
|---|
Source: Calloway County assessment roll, as of November 1, 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 | $241.00 (-18.58%) | $60,000 (-2%) | $60,000 (-2%) |
| 2023 | $296.00 (-1.33%) | $75,000 (-) | $75,000 (-) |
| 2022 | $300.00 | $75,000 | $75,000 |
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 | 1 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 96% of the US · lower than 96% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 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 300 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Murray Electric System Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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