432 Saint Cloud Ct, Bowling Green, KY 42101 Property Records

Warren County property record for 432 Saint Cloud Ct, Bowling Green, KY 42101

Property Summary

Property Type	Residential Vacant Land
Details	built 2009
Lot Size	0.77 acres (33,541 sqft)
Owner	2 Individual Names on Record
Last Sale	$157,900 (Apr 2018)
Tax Bill	$1,740 (2025)
Deeds & Mortgages	Sep 2024 Second Mortgage Apr 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`049A-03-459`

Property Details

APN / Parcel Number

Primary APN	`049A-03-459`
Alternative APNs	`D9981124` `258283`

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Lot Area	33,541 sqft (0.77 acres)

Location & Zoning

Street Address	432 SAINT CLOUD CT
City	BOWLING GREEN
State	KY
Zip	42101-5501
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Subdivision	NORTH RIDGE
Legal Lot Number	459
Jurisdiction	WARREN KY
Township / Civil Division	SAND HILL-GIRKIN
Census Block Group	1
Census Block	1000
Census Tract	11701

Owner

Source: Warren County records, as of August 25, 2026

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	432 SAINT CLOUD CT, BOWLING GREEN, KY 42101-5501
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 5, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LIBERTY FCU
Apr 8, 2022	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Apr 2, 2018	Deed, Subdivision Related Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 2, 2018 · Amount on Record
Deed Sale	Apr 2, 2018 · Amount on Record
Deed Document Number	2018962239
Deed Book / Page	1159 / 226
Record Updated	Oct 29, 2026

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN KY
Property Address	432 SAINT CLOUD CT, BOWLING GREEN, KY 42101-5501
Transaction Type	Mortgage
Record Updated	Dec 9, 2025
Title Company	FOREMAN WATSON LAND TITLE LLC, FOREMAN WATSON LAND TTL LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M3487/670
Date	Sep 5, 2024
Book Page	M3487/670
Instrument	2067754

Lender

Name	LIBERTY FCU
Type	Credit Union
Address	EVANSVILLE, IN 47715

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Aug 15, 2039

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN KY
Property Address	432 SAINT CLOUD CT, BOWLING GREEN, KY 42101-5501
Transaction Type	Mortgage
Record Updated	Dec 9, 2025
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M3270/95
Date	Apr 8, 2022
Book Page	M3270/95
Instrument	1946818

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2052

April 2018: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	WARREN KY
Recording Date	Apr 2, 2018
Property Address	432 SAINT CLOUD CT, BOWLING GREEN, KY 42101-5501
Document Number	0D1159/226
Book / Page	D1159 / 226
Map Reference	MB42 PG30-31
Instrument Date	Mar 29, 2018
Instrument	962239
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 9, 2025

Transaction

Amount	Amount Recorded
Tax	$150.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1818 LOUISVILLE RD, BOWLING GREEN, KY 42101-1289

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	432 SAINT CLOUD CT, BOWLING GREEN, KY 42101-5501

Tax Assessment & Valuation

Source: Warren County assessment roll, as of August 25, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,740.00 (+15%)	$187,400 (+18.68%)	$187,400 (+18.68%)
2023	$1,513.00	$157,900	$157,900

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 March 12, 2023

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 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% 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	WARREN COUNTY WATER DISTRICT serves 91,118 people · EPA ID KY1140487
Water Source	Purchased surface water from several systems
Last State Inspection	Sep 2023
Lead	2 ppb (2022–2024) 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 60 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
North Central Communications Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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