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1003 Main St, Murray, KY, 42071

2beds
1baths
1,225sqft
$173,900
$142price/sqft
$1,244/moest. monthly cost
$49,760/yrincome needed

About This Home

Absolutely Adorable 2 Bedroom, 1 Bathroom Home Centrally Located On Main St In Murray! This Home Has So Many Recent Updates Including Newer Roof Shingles, Vinyl Siding, Central Heating & Air Unit, Vinyl Replacement Windows, Breaker Box, And Beautifully Refinished Hardwood Floors. With Over 1,225 Sq Ft Of Living Space, This Home Features A Large Living Room With Fireplace, Formal Dining Room, Kitchen With Washer/dryer Hookup, A Remodeled Bathroom With A Tiled Bath/shower. The 2 Bedrooms Are Extremely Spacious. The Unfinished Basement Area With Exterior Entrance Would Make A Great Storm Shelter. The Detached 1 Car Garage Provides Vehicle Parking Or Extra Storage. This Charming Home Is In Close Proximity To Shops, Restaurants, Medical Facilities And More. Zoned R-2 Residential.

Getting Around

71
WalkingVery Walkable
0
TransitVery Limited Transit
47
BikeSomewhat Bikeable

Schools

9/10
Murray Middle SchoolGrades 4-80.2 mi
10/10
Murray High SchoolGrades 9-120.6 mi
10/10
Murray Elementary SchoolGrades PK-30.8 mi

Construction

Materials

  • Foundation: Concrete Block
  • Roof: Dimensional Shingle
  • Construction materials: Frame,Vinyl Siding,Dry Wall

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Refrigerator,Stove,Electric Water Heater
  • Laundry features: In Kitchen,Washer/Dryer Hookup

Basement

  • Has basement: Yes
  • Basement: Crawl Space,Exterior Entry,Unfinished

Bathroom

  • Features: Tub Shower

Bedroom2

  • Level: Main
  • Area: 197.89583333333331

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bedrooms: 2

Dining Room

  • Features: Formal Dining
  • Level: Main
  • Area: 246.5

Features

  • Ceiling Fan(s),Closet Light(s),Paneling
  • Window features: Vinyl Frame
  • Flooring: Laminate,Vinyl/Linoleum,Wood
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area below ground: 0

Heating & Cooling

  • Heating features: Gas Pack,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,225
  • Total interior livable area: 1,225 sqft

Kitchen

  • Features: Breakfast Area
  • Level: Main
  • Area: 148.83333333333331

Living Room

  • Level: Main

Master Bedroom

  • Level: Main
  • Area: 199.01388888888889

Property

Details

  • Parcel number: 0070000100010

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered Porch
  • Exterior features: Aggregate Walks,Lighting

Lot

  • Lot size: 10,018 sqft
  • Features: In City Limits,Level

Parking

  • Parking features: Detached
  • Has garage: Yes

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
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

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

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 $879$10,548
Home Insurance *$148$1,776
Property Taxes $63$756
Electricity $154$1,850
Total$1,244$14,928
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$42,651/yr
40% on housing$37,320/yr
45% on housing$33,173/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

$142This listing

vs Other Active Listings

Avg $/sqft

ZIP 42071$144
Calloway County$147

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)

Price History

DateEventPrice
2025-10-17Price change$168,900
2025-09-25Listed for sale$159,900
2019-09-04Sold$42,550
2019-06-09Listed for sale$59,900

For Sale by Agent

AgentJohn Kopperud
BrokerageKopperud Realty

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