33 Saddlebrook Ln, Almo, KY 42020 Property Records

Calloway County property record for 33 Saddlebrook Ln, Almo, KY 42020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,171 sqft · built 1999
Lot Size	2.64 acres (114,998 sqft)
Owner	Individual Name on File
Last Sale	$155,000 (Nov 2018)
Tax Bill	$1,397 (2025)
Deeds & Mortgages	Aug 2026 Construction Loan Dec 2023 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`038-0-0011-D`

Property Details

APN / Parcel Number

Primary APN	`038-0-0011-D`
Alternative APN	`82786`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,171 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Aluminum/Vinyl
Construction Type	Adobe
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	114,998 sqft (2.64 acres)
Garage Area	649 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	216 sqft
Patio Area	480 sqft
Greenhouse	649 sqft
Poultry House	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	82786
Street Address	33 SADDLEBROOK LN
City	ALMO
State	KY
Zip	42020-9461
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	33 SADDLEBROOK LANE
Legal Subdivision	MINOR SUB 7
Jurisdiction	CALLOWAY KY
Township / Civil Division	KIRKSEY
Census Block Group	2
Census Block	2018
Census Tract	10200

Owner

33 Saddlebrook Ln is owned and occupied by an individual who acquired it in August 2020.

Source: Calloway County records, as of December 23, 2025

Owner of Record	Individual Name on File
Mailing Address	33 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
Aug 25, 2026	Deed of Trust, Mortgage · Construction Mortgage COMMUNITY FINANCIAL SERVICES BANK
Dec 19, 2023	Deed of Trust, Mortgage · Construction Mortgage COMMUNITY FINANCIAL SERVICES BANK
Sep 11, 2020	Intrafamily Transfer, Transfer
Nov 8, 2018	Warranty Deed, Transfer · Conventional Mortgage COMMUNITY FINANCIAL SERVICES BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 8, 2018 · Amount on File
Deed Sale	Nov 8, 2018 · Amount on File
Prior Sale	Jan 16, 2007 · Amount on File
Deed Document Number	2018630787
Deed Book / Page	1193 / 22
Last Transfer Date	Aug 27, 2020
Transfer Doc	0001273/75
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLOWAY KY
Recording Date	Aug 25, 2026
Property Address	33 SADDLEBROOK LN, ALMO, KY 42020-9461
Document Number	0000743359
Book / Page	1556 / 578
Instrument Date	Aug 19, 2026
Instrument	2026743359
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	33 SADDLEBROOK LN, ALMO, KY 42020-9461

Mortgage

Document Number	0000743359,
Date	Aug 25, 2026
Book Page	1556/578
Instrument	2026743359

Lender

Name	COMMUNITY FINANCIAL SERVICES BANK

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	120 Months
Due	Aug 19, 2036

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALLOWAY KY
Property Address	33 SADDLEBROOK LN, ALMO, KY 42020-9461
Transaction Type	Mortgage
Record Updated	Jan 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	33 SADDLEBROOK LN, ALMO, KY 42020-9461

Mortgage

Document Number	001441/154
Date	Dec 19, 2023
Book Page	1441/154
Instrument	687128

Lender

Name	COMMUNITY FINANCIAL SERVICES BANK
Type	Bank
Address	BENTON, KY 42025

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	240 Months
Due	Dec 13, 2043

September 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CALLOWAY KY
Recording Date	Sep 11, 2020
Property Address	33 SADDLEBROOK LN, ALMO, KY 42020-9461
Document Number	0001273/75
Book / Page	1273 / 75
Map Reference	MB 27 PG 80
Instrument Date	Aug 27, 2020
Instrument	643599
Transaction Type	Transfer
Record Updated	Jan 13, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	111 POTTS RD, MURRAY, KY 42071-7916

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	33 SADDLEBROOK LN, ALMO, KY 42020-9461

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CALLOWAY KY
Recording Date	Nov 8, 2018
Property Address	33 SADDLEBROOK LN, ALMO, KY 42020-9461
Document Number	001193/022
Book / Page	1193 / 022
Map Reference	MB 27 PG 80 SL 2596
Instrument Date	Nov 2, 2018
Instrument	630787
Transaction Type	Transfer
Record Updated	Jan 13, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$155.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	128 TARA CT, BENTON, KY 42025-7513

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	236 GROVE LN, MURRAY, KY 42071-5144

Mortgage

Document Number	0000630788
Date	Nov 8, 2018
Instrument	630788

Lender

Name	COMMUNITY FINANCIAL SERVICES BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 33 Saddlebrook Ln was $1,397.

Source: Calloway County assessment roll, as of December 23, 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	$1,397.00	$155,000	$155,000
2023	$1,420.00	$155,000	$155,000

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

Flood

FEMA maps place 33 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 33 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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