686 Clark Cir, Bowling Green, KY 42103 Property Records

Warren County property record for 686 Clark Cir, Bowling Green, KY 42103

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,200 sqft · built 1974
Lot Size	0.38 acres (16,553 sqft)
Owner	Individual Name on File
Tax Bill	$1,045 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`051A-20-019`

Property Details

APN / Parcel Number

Primary APN	`051A-20-019`
Alternative APNs	`C0011780` `251670`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,200 sqft Living Area
Basement Area	1,200 sqft
Finished Basement	1,200 sqft
Family Room	Family Room

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	16,553 sqft (0.38 acres)
Lot Dimensions	208 ft deep x 80 ft wide
Terrain	Rolling
Driveway	Asphalt Driveway
Porch	Slab
Porch Area	50 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Street Address	686 CLARK CIR
City	BOWLING GREEN
State	KY
Zip	42103-8503
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	CLARK CIRCLE
Legal Lot Number	19
Jurisdiction	WARREN KY
Township / Civil Division	SMITHS GROVE
Census Block Group	3
Census Block	3008
Census Tract	11600

Owner

686 Clark Cir is owned and occupied by an individual who acquired it in May 2018.

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

Owner of Record	Individual Name on File
Mailing Address	686 CLARK CIR, BOWLING GREEN, KY 42103-8503
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
Jun 10, 2022	Deed of Trust, Mortgage · FHA Mortgage BROKER SOLUTIONS INC
Feb 4, 2020	Deed of Trust, Mortgage · Closed-End Mortgage PNC BANK NA
Jun 29, 2018	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	May 25, 2018
Transfer Doc	0000969725
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN KY
Property Address	686 CLARK CIR, BOWLING GREEN, KY 42103-8503
Transaction Type	Mortgage
Record Updated	Jun 23, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M3292/244
Date	Jun 10, 2022
Book Page	M3292/244
Instrument	1955534

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN KY
Property Address	686 CLARK CIR, BOWLING GREEN, KY 42103-8503
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2949/406
Date	Feb 4, 2020
Book Page	M2949/406
Instrument	1128808

Lender

Name	PNC BANK NA
Type	Bank
Address	BOWLING GREEN, KY 42103

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	71 Months
Due	Jan 16, 2026

June 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WARREN KY
Recording Date	Jun 29, 2018
Property Address	686 CLARK CIR, BOWLING GREEN, KY 42103-8503
Document Number	0D1165/529
Book / Page	D1165 / 529
Map Reference	MB11 PG7
Instrument Date	May 25, 2018
Instrument	969725
Transaction Type	Transfer
Record Updated	Dec 24, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	686 CLARK CIR, BOWLING GREEN, KY 42103-8503

Tax Assessment & Valuation

The 2025 property tax bill for 686 Clark Cir was $1,045.

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	$1,045.00	$118,200	$118,200
2023	$1,036.00	$115,000	$115,000

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

Flood

FEMA maps place 686 Clark Cir 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 686 Clark Cir 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
North Central Communications Fiber	1,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Nearby Properties on Clark Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures