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

Warren County property record for 528 Saint Cloud Way, Bowling Green, KY 42101

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on File
Last Sale	$166,000 (May 2020)
Tax Bill	$1,750 (2025)
Deeds & Mortgages	May 2020 Sale & Mortgage May 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`049A-03-475`

Property Details

APN / Parcel Number

Primary APN	`049A-03-475`
Alternative APNs	`B0026507` `260533`

Exterior

Lot Area	11,326 sqft (0.26 acres)

Location & Zoning

Account Number	B0026507
Street Address	528 SAINT CLOUD WAY
City	BOWLING GREEN
State	KY
Zip	42101-5577
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	LOT:475 SUBD:NORTH RIDGE
Legal Subdivision	NORTH RIDGE
Legal Lot Number	475
Jurisdiction	WARREN KY
Township / Civil Division	SAND HILL-GIRKIN
Census Block Group	1
Census Block	1002
Census Tract	11701

Owner

528 Saint Cloud Way, residential vacant land, is owned and occupied by an individual who bought it in May 2020.

Source: Warren County records, as of December 8, 2025

Owner of Record	Individual Name on File
Mailing Address	528 SAINT CLOUD WAY, BOWLING GREEN, KY 42101-5577
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
May 4, 2020	Deed, Transfer · Conventional Mortgage THE GERMAN AMERICAN BANK
May 4, 2020	Deed, Transfer · Conventional Mortgage THE GERMAN AMERICAN BANK
Apr 26, 2018	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 2020 · Amount on File
Deed Sale	May 4, 2020 · Amount on File
Prior Sale	Apr 26, 2018 · Amount on File
Deed Document Number	1138357
Deed Book / Page	D1205 / 78
Record Updated	Jun 8, 2026

May 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	WARREN KY
Recording Date	May 4, 2020
Property Address	528 SAINT CLOUD WAY, BOWLING GREEN, KY 42101-5502
Document Number	00D1205/78
Book / Page	D1205 / 78
Map Reference	MB 42 PG 30&31
Instrument Date	Apr 24, 2020
Instrument	1138357
Transaction Type	Transfer
Record Updated	Dec 24, 2021
Title Company	UPLAND TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$166.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	230 SUNFISH BEE SPRING RD, 230, BEE SPRING, KY 42207-9320

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 SAINT CLOUD WAY, BOWLING GREEN, KY 42101-5502

Mortgage

Document Number	0001138358
Date	May 4, 2020
Instrument	1138358

Lender

Name	THE GERMAN AMERICAN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2050

May 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	WARREN KY
Recording Date	May 4, 2020
Property Address	528 SAINT CLOUD WAY, BOWLING GREEN, KY 42101-5577
Document Number	00D1205/78
Book / Page	D1205 / 78
Map Reference	MB 42 PG 30&31
Instrument Date	Apr 24, 2020
Instrument	1138357
Transaction Type	Transfer
Record Updated	Dec 9, 2025
Title Company	UPLAND TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$166.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	230 SUNFISH BEE SPRING RD, BEE SPRING, KY 42207-9320

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 SAINT CLOUD WAY, BOWLING GREEN, KY 42101-5577

Mortgage

Document Number	0001138358
Date	May 4, 2020
Instrument	1138358

Lender

Name	THE GERMAN AMERICAN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2050

Mortgage

Document Number	0M2597/737
Date	May 4, 2020
Book Page	M2597/737
Instrument	1138359

Lender

Name	THE GERMAN AMERICAN BANK
Type	Bank
Address	BOWLING GREEN, KY 42101

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	132 Months
Due	May 20, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	WARREN KY
Recording Date	Apr 26, 2018
Property Address	528 SAINT CLOUD WAY, BOWLING GREEN, KY 42101-5577
Document Number	0D1160/897
Book / Page	D1160 / 897
Map Reference	MB42 PG30&31
Instrument Date	Apr 23, 2018
Instrument	964205
Transaction Type	Transfer
Record Updated	Dec 9, 2025

Transaction

Amount	Amount on Record
Tax	$153.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1990 LOUISVILLE RD STE 102, 102, BOWLING GREEN, KY 42101-1202

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	134 HILLRIDGE CT APT B, B, BOWLING GREEN, KY 42101-5243

Tax Assessment & Valuation

The 2025 property tax bill for 528 Saint Cloud Way was $1,750.

Source: Warren County assessment roll, as of April 1, 2025

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	$1,750.00	$188,600	$188,600
2023	$1,582.00	$166,000	$166,000

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

Flood

FEMA maps place 528 Saint Cloud Way in Zone X, an area of minimal flood risk.

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

Wildfire risk around 528 Saint Cloud Way is low, with a 0.01% annual chance of 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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