522 Saint Cloud Way, Bowling Green, KY 42101 Property Records

Warren County property record for 522 Saint Cloud Way, Bowling Green, KY 42101

Property Summary

Property Type	Residential Vacant Land
Details	built 2009
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on Record
Last Sale	$159,500 (Mar 2018)
Tax Bill	$1,708 (2025)
Deeds & Mortgages	Jan 2023 Second Mortgage Aug 2025 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`049A-03-474`

Property Details

APN / Parcel Number

Primary APN	`049A-03-474`
Alternative APNs	`W0022157` `298431`

Interior

Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Lot Area	11,326 sqft (0.26 acres)

Location & Zoning

Street Address	522 SAINT CLOUD WAY
City	BOWLING GREEN
State	KY
Zip	42101-5577
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Subdivision	NORTH RIDGE
Legal Lot Number	474
Jurisdiction	WARREN KY
Township / Civil Division	SAND HILL-GIRKIN
Census Block Group	1
Census Block	1002
Census Tract	11701

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	522 SAINT CLOUD WAY, BOWLING GREEN, KY 42101-5577
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 17, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LEXINGTON-FAYETTE URBAN COUNTY GOV
Aug 27, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FINANCE OF AMERICA REVERSE LLC
Mar 20, 2018	Trustee's Deed, Foreclosure · FHA Mortgage FINANCE OF AMERICA MORTGAGE LLC
Mar 20, 2018	Trustee's Deed, Foreclosure · FHA Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 20, 2018 · Amount on Record
Deed Sale	Mar 20, 2018 · Amount on Record
Deed Document Number	2018961289
Deed Book / Page	1158 / 495
Prior Transfer Date	Mar 12, 2018
Prior Transfer Doc	0D1158/495
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN KY
Property Address	522 SAINT CLOUD WAY, BOWLING GREEN, KY 42101-5577
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 SAINT CLOUD WAY, BOWLING GREEN, KY 42101-5577

Mortgage

Document Number	0M3350/561
Date	Jan 17, 2023
Book Page	M3350/561
Instrument	1981389

Lender

Name	LEXINGTON-FAYETTE URBAN COUNTY GOV
Type	Government Agency
Address	FRANKFORT, KY 40601

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	478 Months
Due	Nov 1, 2062

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN KY
Property Address	522 SAINT CLOUD WAY, BOWLING GREEN, KY 42101-5577
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	552 SAINT CLOUD WAY, BOWLING GREEN, KY 42101-5579

Mortgage

Document Number	0M3576/175
Date	Aug 27, 2025
Book Page	M3576/175
Instrument	2122344

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender
Address	BOWLING GREEN, KY 42101

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	447 Months
Due	Nov 1, 2062

March 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	WARREN KY
Recording Date	Mar 20, 2018
Property Address	522 SAINT CLOUD WAY, BOWLING GREEN, KY 42101-5577
Document Number	0D1158/495
Book / Page	D1158 / 495
Map Reference	MB42 PG30-31
Instrument Date	Mar 12, 2018
Instrument	961289
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$159.58
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1240 FAIRWAY ST, BOWLING GREEN, KY 42103-2463

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 SAINT CLOUD WAY, BOWLING GREEN, KY 42101-5577

Mortgage

Document Number	0000961290
Date	Mar 20, 2018
Instrument	961290

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

Mortgage

Document Number	0M2782/195
Date	Mar 20, 2018
Book Page	M2782/195
Instrument	961291

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2028

March 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	WARREN KY
Recording Date	Mar 20, 2018
Property Address	522 SAINT CLOUD WAY, BOWLING GREEN, KY 42101-5502
Document Number	0D1158/495
Book / Page	D1158 / 495
Map Reference	MB42 PG30-31
Instrument Date	Mar 12, 2018
Instrument	961289
Transaction Type	Foreclosure
Record Updated	Dec 24, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$159.58
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1240 FAIRWAY ST, 1240, BOWLING GREEN, KY 42103-2463

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 SAINT CLOUD WAY, BOWLING GREEN, KY 42101-5502

Mortgage

Document Number	0000961290
Date	Mar 20, 2018
Instrument	961290

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

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	$1,708.00 (+11.93%)	$183,600 (+15.11%)	$183,600 (+15.11%)
2023	$1,526.00	$159,500	$159,500

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 117 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, North Central Communications.

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