538 State St, Bowling Green, KY 42101 Property Records

Warren County property record for 538 State St, Bowling Green, KY 42101

Property Summary

Property Type	Commercial Building, Warehouse, Showroom
Details	15,782 sqft · built 1948
Lot Size	0.669 acres (29,185 sqft)
Owner	Company Name on File
Last Sale	$2,200,000 (Sep 2022)
Tax Bill	$7,051 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`039A-04-077`

Property Details

APN / Parcel Number

Primary APN	`039A-04-077`
Alternative APNs	`G9963872` `263354` `395837`

Interior

Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	15,782 sqft Gross Area
Flooring	Tile
Elevator	Elevator

Exterior

Year Built	Built 1948
Construction Type	Steel Frame
Lot Area	29,185 sqft (0.669 acres)

Location & Zoning

Account Number	G9963872
Street Address	538 STATE ST
City	BOWLING GREEN
State	KY
Zip	42101-1270
Property Category	Commercial
Property Type	Commercial > Retail > Commercial Building, Warehouse, Showroom
Legal Description	LOT:1
Legal Lot Number	1
Jurisdiction	WARREN KY
Township / Civil Division	BOWLING GREEN
Census Block Group	1
Census Block	1034
Census Tract	10200

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	1131 FAIRWAY ST STE 1, 1, BOWLING GREEN, KY 42103-2487
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2022	Deed, Transfer · Stand-Alone First Mortgage FRANKLIN BANK & TRUST CO
May 18, 2020	Deed of Trust, Mortgage · Commercial Mortgage COGENT BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 1, 2022 · Amount on Record
Deed Sale	Sep 1, 2022 · Amount on Record
Deed Document Number	1966235
Deed Book / Page	D1265 / 787
Record Updated	Jun 8, 2026

September 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	WARREN KY
Recording Date	Sep 1, 2022
Property Address	538 STATE ST, BOWLING GREEN, KY 42101-1270
Document Number	0D1265/787
Book / Page	D1265 / 787
Map Reference	MB 44 PG 30
Instrument Date	Aug 31, 2022
Instrument	1966235
Transaction Type	Transfer
Record Updated	Feb 2, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	800 NEWBERRY ST, BOWLING GREEN, KY 42103-1579

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	908 STATE ST, BOWLING GREEN, KY 42101-2233

Mortgage

Document Number	0001966236
Date	Sep 1, 2022
Instrument	1966236

Lender

Name	FRANKLIN BANK & TRUST CO
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	61 Months
Due	Oct 1, 2027

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN KY
Property Address	538 STATE ST, BOWLING GREEN, KY 42101-1270
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2984/138
Date	May 18, 2020
Book Page	M2984/138
Instrument	1140021

Lender

Name	COGENT BANK
Type	Bank
Address	NASHVILLE, TN 37201

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Kentucky
Municipality	Bowling Green City
County	Warren County
Unified School District	Bowling Green Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,051.00 (-4.47%)	$2,200,000 (-)	$2,200,000 (-)
2023	$7,381.00	$2,200,000	$2,200,000

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 · 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 Claims	1 (2002)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Nov 2002 · rainfall accumulation

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

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	None beyond ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BOWLING GREEN MUNICIPAL UTILITIES serves 53,601 people · EPA ID KY1140038
Water Source	Surface water
Last State Inspection	Aug 2023
Lead	Under 1 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 172 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: T-Mobile USA, Verizon.

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