22 Saddlebrook Ln, Almo, KY 42020 Property Records

Calloway County property record for 22 Saddlebrook Ln, Almo, KY 42020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,334 sqft · built 2005
Owner	Individual Name on File
Last Sale	$17,000 (Oct 2005)
Tax Bill	$1,251 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Nov 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`038-0-0011-A`

Property Details

APN / Parcel Number

Primary APN	`038-0-0011-A`
Alternative APN	`12663`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,334 sqft Living Area

Exterior

Year Built	Built 2005
Exterior Material	Aluminum/Vinyl
Construction Type	Adobe
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Patio Area	112 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Account Number	12663
Street Address	22 SADDLEBROOK LN
City	ALMO
State	KY
Zip	42020-9461
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	22 SADDLEBROOK LANE
Jurisdiction	CALLOWAY KY
Township / Civil Division	KIRKSEY
Census Block Group	2
Census Block	2018
Census Tract	10200

Owner

22 Saddlebrook Ln is owned and occupied by an individual who bought it in October 2005.

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

Owner of Record	Individual Name on File
Mailing Address	22 SADDLEBROOK LN, ALMO, KY 42020-9461
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2025	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Nov 20, 2023	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
May 29, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC
Apr 27, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC
Oct 17, 2005	Warranty Deed, Transfer · USDA Mortgage USDA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 17, 2005 · Amount on File
Deed Sale	Oct 17, 2005 · Amount on File
Deed Document Number	227158
Deed Book / Page	0616 / 405
Record Updated	Jun 8, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLOWAY KY
Property Address	22 SADDLEBROOK LN, ALMO, KY 42020-9461
Transaction Type	Mortgage
Record Updated	Oct 10, 2025
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 SADDLEBROOK LN, ALMO, KY 42020-9461

Mortgage

Document Number	001516/655
Date	Sep 26, 2025
Book Page	1516/655
Instrument	722349

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	635 WOODWARD AVE, DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	307 Months
Due	Apr 1, 2051

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLOWAY KY
Property Address	22 SADDLEBROOK LN, ALMO, KY 42020-9461
Transaction Type	Mortgage
Record Updated	Dec 15, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 SADDLEBROOK LN, ALMO, KY 42020-9461

Mortgage

Document Number	0001438/65
Date	Nov 20, 2023
Book Page	1438/65
Instrument	686693

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	329 Months
Due	Apr 1, 2051

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLOWAY KY
Property Address	22 SADDLEBROOK LN, ALMO, KY 42020-9461
Transaction Type	Mortgage
Record Updated	Jan 13, 2023
Title Company	TITLE SOURCE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001214/001
Date	May 29, 2019
Book Page	1214/001
Instrument	634493

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLOWAY KY
Property Address	22 SADDLEBROOK LN, ALMO, KY 42020-9461
Transaction Type	Mortgage
Record Updated	Jan 13, 2023
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001309/715
Date	Apr 27, 2021
Book Page	1309/715
Instrument	648658

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

October 2005: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALLOWAY KY
Recording Date	Oct 17, 2005
Property Address	22 SADDLEBROOK LN, ALMO, KY 42020-9461
Document Number	000616/405
Book / Page	0616 / 405
Map Reference	MB37 PG49 SL3565
Instrument Date	Aug 19, 2005
Instrument	227158
Transaction Type	Transfer
Record Updated	Jan 13, 2023

Transaction

Amount	Amount on Record
Tax	$17.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	415 CHARLEY MILLER RD, ALMO, KY 42020-9305

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5975 SCALE RD, BENTON, KY 42025-7872

Mortgage

Document Number	000616/409
Date	Oct 17, 2005
Book Page	0616/409
Instrument	227164

Lender

Name	USDA
Type	Government Agency
Address	SAINT LOUIS, MO 63166

Agreement

Type	USDA Mortgage
Amount	Amount on Record
Term	396 Months
Due	Oct 12, 2038

Tax Assessment & Valuation

The 2025 property tax bill for 22 Saddlebrook Ln was $1,251.

Source: Calloway County assessment roll, as of November 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Calloway County
Unified School District	Calloway County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,251.00	$138,500	$138,500
2023	$1,240.00	$135,000	$135,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 22 Saddlebrook Ln in Zone X, an area of minimal flood risk.

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	2 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.

Wildfire

Wildfire risk around 22 Saddlebrook Ln is low, with a 0.02% annual chance of 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 94% of Kentucky
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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	DEXTER ALMO HEIGHTS WATER DISTRICT serves 2,275 people · EPA ID KY0180102
Water Source	Purchased groundwater from MURRAY WATER SYSTEM
Last State Inspection	Jul 2024
Lead	Under 1 ppb (2026) 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 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50

Cell Coverage

5G and 4G LTE (outdoors only)

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