122 Roy Smith Rd, Bowling Green, KY 42101 Property Records

Warren County property record for 122 Roy Smith Rd, Bowling Green, KY 42101

Property Summary

Property Type	Vacant Land
Lot Size	3.22 acres (140,263 sqft)
Owner	Individual Name on File
Last Sale	$450,000 (Nov 2022)
Tax Bill	$3,841 (2025)
Deeds & Mortgages	May 2017 Line of Credit Jan 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`005A-02`

Property Details

APN / Parcel Number

Primary APN	`005A-02`
Alternative APNs	`F0004511` `260239` `396541`

Exterior

Lot Area	140,263 sqft (3.22 acres)

Location & Zoning

Account Number	F0004511
Street Address	122 ROY SMITH RD
City	BOWLING GREEN
State	KY
Zip	42101-4239
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Jurisdiction	WARREN KY
Township / Civil Division	HADLEY-BROWNING
Census Block Group	1
Census Block	1006
Census Tract	11802

Owner

122 Roy Smith Rd, vacant land, is owned and occupied by an individual who bought it in November 2022.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	122 ROY SMITH RD, BOWLING GREEN, KY 42101-4239
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 8, 2017	Deed of Trust, Mortgage · Line of Credit AUBURN BANKING CO
Jan 14, 2019	Deed of Trust, Mortgage · Conventional Mortgage WILSON BANK & TRUST
Nov 30, 2022	Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 30, 2022 · Amount on File
Deed Sale	Nov 30, 2022 · Amount on File
Prior Sale	Aug 10, 2016 · Amount on File
Deed Document Number	1976747
Deed Book / Page	D1271 / 52
Record Updated	Jun 8, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN KY
Property Address	122 ROY SMITH RD, BOWLING GREEN, KY 42101-4239
Transaction Type	Mortgage
Record Updated	Feb 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M2705/432
Date	May 8, 2017
Book Page	M2705/432
Instrument	937166

Lender

Name	AUBURN BANKING CO
Type	Bank
Address	RUSSELLVILLE, KY 42276

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	May 4, 2018

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN KY
Property Address	122 ROY SMITH RD, BOWLING GREEN, KY 42101-4239
Transaction Type	Mortgage
Record Updated	Feb 2, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M2852/623
Date	Jan 14, 2019
Book Page	M2852/623
Instrument	987178

Lender

Name	WILSON BANK & TRUST
Type	Bank
Address	BARDSTOWN, KY 40004

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

November 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	WARREN KY
Recording Date	Nov 30, 2022
Property Address	122 ROY SMITH RD, BOWLING GREEN, KY 42101-4239
Document Number	00D1271/52
Book / Page	D1271 / 52
Instrument Date	Nov 29, 2022
Instrument	1976747
Transaction Type	Transfer
Record Updated	Feb 2, 2024
Title Company	GUARDIAN LAND TITLE, GUARDIAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	122 ROY SMITH RD, BOWLING GREEN, KY 42101-4239

Mortgage

Document Number	0001976748
Date	Nov 30, 2022
Instrument	1976748

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 122 Roy Smith Rd was $3,841.

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	$3,841.00	$450,000	$450,000
2023	$3,908.00	$450,000	$450,000

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

Flood

FEMA maps place 122 Roy Smith Rd in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 in force

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

Wildfire risk around 122 Roy Smith Rd is low, with a 0.02% 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	0.02% 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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
North Central Communications Fiber	1,000 / 1,000
Spectrum Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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