903 Payne St, Murray, KY 42071 Property Records

Calloway County property record for 903 Payne St, Murray, KY 42071

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,520 sqft
Lot Size	0.72 acres (31,250 sqft)
Owner	2 Individual Names on Record
Last Sale	$336,000 (Jan 2023)
Tax Bill	$1,216 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Nov 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`006-0-0007-0002A`

Property Details

APN / Parcel Number

Primary APN	`006-0-0007-0002A`
Alternative APNs	`40453` `96124` `97085`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,520 sqft Living Area
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Stucco
Construction Type	Tilt-Up Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	31,250 sqft (0.72 acres)
Lot Dimensions	250 ft deep x 125 ft wide
Garage Type	Attached
Garage Area	475 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	512 sqft
Porch	Slab
Porch Area	475 sqft
Greenhouse	475 sqft
Poultry House	475 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Radiant

Location & Zoning

Account Number	97085
Street Address	903 PAYNE ST
City	MURRAY
State	KY
Zip	42071-1958
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	6-7-2A & 3 903 PAYNE
Legal Subdivision	MCELRATH HEIGHTS ADDITION
Jurisdiction	CALLOWAY KY
Township / Civil Division	MURRAY
Census Block Group	2
Census Block	2016
Census Tract	10400

Owner

Source: Calloway County records, as of December 23, 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	903 PAYNE ST, MURRAY, KY 42071-1958
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2023	Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 10, 2022	Correction Deed

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 25, 2023 · Amount on Record
Deed Sale	Jan 25, 2023 · Amount on Record
Prior Sale	Nov 10, 2022 · Amount on Record
Deed Document Number	2023665245
Deed Book / Page	1403 / 459
Prior Transfer Date	Oct 28, 2022
Prior Transfer Doc	001395/473
Record Updated	Jun 8, 2026

January 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CALLOWAY KY
Recording Date	Jan 25, 2023
Property Address	903 PAYNE ST, MURRAY, KY 42071-1958
Document Number	001403/459
Book / Page	1403 / 459
Map Reference	MB 31 PG 462
Instrument Date	Dec 30, 2022
Instrument	665245
Transaction Type	Transfer
Record Updated	Dec 23, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$336.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4708 BEHRENS RD, COLLEYVILLE, TX 76034-4339

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2345 SW 20TH CT, REDMOND, OR 97756-8664

Mortgage

Document Number	0000665246
Date	Jan 25, 2023
Instrument	665246

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2053

November 2022: Correction Deed

Document Type	Correction Deed
Jurisdiction	CALLOWAY KY
Recording Date	Nov 10, 2022
Property Address	903 PAYNE ST, MURRAY, KY 42071-1958
Document Number	001395/473
Book / Page	1395 / 473
Map Reference	MB 31 PG 462
Instrument Date	Oct 28, 2022
Instrument	662009
Record Updated	Dec 23, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	903 PAYNE ST, MURRAY, KY 42071-1958

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	903 PAYNE ST, MURRAY, KY 42071-1958

Tax Assessment & Valuation

Source: Calloway County assessment roll, as of December 23, 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	$1,216.00 (+60.63%)	$336,000 (+63.9%)	$336,000 (+63.9%)
2023	$757.00	$205,000	$205,000

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 94% of the US · lower than 95% 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 134 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Murray Electric System Fiber	1,000 / 1,000
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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