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114 Spruce St, Murray, KY, 42071

4beds
2baths
1,805sqft
$216,574
$120price/sqft
$1,529/moest. monthly cost
$61,160/yrincome needed

About This Home

Get it first! This Beauty is a Pure Gem Gorgeously Remodeled Top To Bottom and priced to sell. Brand New Roof, Spacious Cedar Front Porch, Distinctive Cedar Window Trim, New Floors Throughout, Tiled Jetted Tub For That Spa Treatment At Home! You’ll Think This Is New Construction. All New Windows, Electrical Wiring, Plumbing, And Sheetrock. Entirely Freshly Painted, New Cabinets, New Vanities, New Dimmable Lighting, New Interior And Exterior Doors. Huge Tree Lined Backyard To Play In With Natural Privacy. Two Rooms Have Been Combined To Create New Expansive Master. 2nd Master Upstairs. Large Mudroom/laundry. You’ll Think You’re In A Newly Constructed Home. Designer Kitchen With All New Appliances. Someone’s Going to Get This One if You Don’t.

Getting Around

43
WalkingCar-Dependent
0
TransitVery Limited Transit
35
BikeSomewhat Bikeable

Schools

9/10
Murray Middle SchoolGrades 4-80.7 mi
10/10
Murray High SchoolGrades 9-121.3 mi
10/10
Murray Elementary SchoolGrades PK-31.6 mi

Construction

Condition

  • Year built: 1900

Materials

  • Foundation: Concrete Block
  • Roof: Composition
  • Construction materials: masonry

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Range / Oven,Refrigerator

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Flooring: Linoleum / Vinyl

Heating & Cooling

  • Heating features: Forced air,Gas
  • Cooling features: Central

Interior Area

  • Total interior livable area: 1,805 sqft

Property

Details

  • Parcel number: 0090003000017

Features

  • Exterior features: Stone,Vinyl

Lot

  • Lot size: 0.46 Acres

Parking

  • Total spaces: 2
  • Parking features: None

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveRelatively High
  • Earthquake
    EarthquakeRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Cold Wave
Earthquake
Ice Storm
Lightning
Tornado
Winter Weather
Hail
Heat Wave
Strong Wind

FEMA Declared Disasters Across Kentucky Counties

Flood
Mud Landslide
Severe Storm
Straight Line Winds
Tornado
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,095$13,140
Home Insurance *$184$2,208
Property Taxes $96$1,152
Electricity $154$1,850
Total$1,529$18,348
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$52,422/yr
40% on housing$45,870/yr
45% on housing$40,773/yr

Kentucky FAIR Plan Programs

Kentucky FAIR Plan Reinsurance Association

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 4,102Commercial: 175
Total Premiums$2.55M
Total Exposure$206.09M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 9.8%
9.8%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: -4.6%
-4.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$120This listing

vs Other Active Listings

Avg $/sqft

ZIP 42071$144
Calloway County$146

vs Homes Sold Last Month

Median $/sqft

ZIP 42071$141
Calloway County$138

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-03-28Price change$216,999
2026-03-21Price change$214,899
2026-03-03Price change$214,999
2026-03-01Price change$224,999
2026-02-23Listed for sale$226,999
2026-02-21Listing removed$238,945
2026-02-10Price change$238,945
2026-02-03Price change$239,879
2026-01-26Price change$247,999
2026-01-20Price change$248,999
2026-01-12Price change$249,999
2026-01-03Price change$252,252
2025-11-20Listed for sale$254,318
1994-12-01Sold$18,500

For Sale by Owner

AgentProperty Owner

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