78 Talbott Dr, Bowling Green, KY 42103 Property Records

Warren County property record for 78 Talbott Dr, Bowling Green, KY 42103

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,817 sqft · built 2002
Lot Size	0.69 acres (30,056 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,502 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`051B-16A-052`

Property Details

APN / Parcel Number

Primary APN	`051B-16A-052`
Alternative APNs	`W8822009` `275433`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,817 sqft Living Area
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	30,056 sqft (0.69 acres)
Garage Type	Attached
Garage Area	541 sqft
Driveway	Concrete Driveway
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	88 sqft
Patio Area	260 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	78 TALBOTT DR
City	BOWLING GREEN
State	KY
Zip	42103-1371
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	TALBOTT PLACE
Legal Lot Number	52
Jurisdiction	WARREN KY
Township / Civil Division	BOWLING GREEN
Census Block Group	3
Census Block	3022
Census Tract	11401

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	2 Individual Names on File
Mailing Address	78 TALBOTT DR, BOWLING GREEN, KY 42103-1371
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2022	Deed of Trust, Mortgage · Commercial Mortgage INDEPENDENCE BANK OF KENTUCKY
Feb 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN BANK & TRUST COMPANY NA
Sep 8, 2020	Deed of Trust, Mortgage · Line of Credit FRANKLIN BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN KY
Property Address	78 TALBOTT DR, BOWLING GREEN, KY 42103-1371
Transaction Type	Mortgage
Record Updated	Dec 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	78 TALBOTT DR, BOWLING GREEN, KY 42103-1371

Mortgage

Document Number	0M3339/231
Date	Nov 22, 2022
Book Page	M3339/231
Instrument	1976010

Lender

Name	INDEPENDENCE BANK OF KENTUCKY
Type	Bank
Address	BOWLING GREEN, KY 42104

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 30, 2037

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN KY
Property Address	78 TALBOTT DR, BOWLING GREEN, KY 42103-1371
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M3102/632
Date	Feb 19, 2021
Book Page	M3102/632
Instrument	1177187

Lender

Name	AMERICAN BANK & TRUST COMPANY NA
Type	Bank
Address	BOWLING GREEN, KY 42104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN KY
Property Address	78 TALBOTT DR, BOWLING GREEN, KY 42103-1371
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M3029/887
Date	Sep 8, 2020
Book Page	M3029/887
Instrument	1153772

Lender

Name	FRANKLIN BANK & TRUST CO
Type	Bank
Address	BOWLING GREEN, KY 42104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Aug 26, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Kentucky
Municipality	Bowling Green City
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	$3,502.00 (+8.93%)	$415,700 (+10.85%)	$415,700 (+10.85%)
2023	$3,215.00	$375,000	$375,000

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (1998–2016)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jul 2016 · 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	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	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 164 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Stupp Fiber Fiber	6,000 / 6,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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