140 Gray St, Bowling Green, KY 42101 Property Records

Warren County property record for 140 Gray St, Bowling Green, KY 42101

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 784 sqft · built 1951
Lot Size	0.18 acres (7,841 sqft)
Owner	Company Name on File
Last Sale	$145,000 (Oct 2020)
Tax Bill	$1,221 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage Oct 2019 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`039B-21-027`

Property Details

APN / Parcel Number

Primary APN	`039B-21-027`
Alternative APNs	`A0002573` `269937`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	784 sqft Living Area
Family Room	Family Room

Exterior

Year Built	Built 1951
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Metal
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	118 ft deep x 65 ft wide
Porch	Porch
Porch Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Account Number	A0002573
Street Address	140 GRAY ST
City	BOWLING GREEN
State	KY
Zip	42101-1929
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:27
Legal Lot Number	27
Jurisdiction	WARREN KY
Township / Civil Division	BOWLING GREEN
Census Block Group	2
Census Block	2007
Census Tract	11200

Owner

140 Gray St is owned by a company that bought it in October 2020.

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

Owner of Record	Company Name on File
Mailing Address	2523 RUSSELLVILLE RD, BOWLING GREEN, KY 42101-3924
Owner Type	Company

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
Oct 16, 2020	Deed, Transfer · Commercial Mortgage SOUTH CENTRAL BANK
Oct 4, 2019	Deed, Construction Loan · Construction Mortgage AMERICAN BANK & TRUST COMPANY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 16, 2020 · Amount on File
Deed Sale	Oct 16, 2020 · Amount on File
Prior Sale	Oct 4, 2019
Deed Document Number	1159432
Deed Book / Page	D1215 / 850
Record Updated	Jun 8, 2026

October 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	WARREN KY
Recording Date	Oct 16, 2020
Property Address	140 GRAY ST, BOWLING GREEN, KY 42101-1929
Document Number	0D1215/850
Book / Page	D1215 / 850
Instrument Date	Oct 8, 2020
Instrument	1159432
Transaction Type	Transfer
Record Updated	Dec 24, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$145.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9750 RUSSELLVILLE RD, 9750, ROCKFIELD, KY 42274-9648

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2523 RUSSELLVILLE RD, BOWLING GREEN, KY 42101-3924

Mortgage

Document Number	0001159433
Date	Oct 16, 2020
Instrument	1159433

Lender

Name	SOUTH CENTRAL BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	60 Months
Due	Oct 8, 2025

October 2019: Deed, Construction Loan

Document Type	Deed
Jurisdiction	WARREN KY
Recording Date	Oct 4, 2019
Property Address	140 GRAY ST, BOWLING GREEN, KY 42101-1929
Document Number	0D1193/729
Book / Page	D1193 / 729
Map Reference	DD 1183 PG 276
Instrument Date	Oct 3, 2019
Instrument	1105310
Transaction Type	Construction Loan
Record Updated	Dec 24, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9750 RUSSELLVILLE RD, 9750, ROCKFIELD, KY 42274-9648

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9750 RUSSELLVILLE RD, ROCKFIELD, KY 42274-9648

Mortgage

Document Number	0001105312
Date	Oct 4, 2019
Instrument	1105312

Lender

Name	AMERICAN BANK & TRUST COMPANY INC
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	300 Months
Due	Oct 3, 2044

Tax Assessment & Valuation

The 2025 property tax bill for 140 Gray St was $1,221.

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	Warren County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,221.00	$145,000	$145,000
2023	$1,243.00	$145,000	$145,000

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

Flood

FEMA maps place 140 Gray St 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 140 Gray St 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	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 169 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.

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