181 Windy Cir, Franklin, KY 42134 Property Records

Simpson County property record for 181 Windy Cir, Franklin, KY 42134

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,254 sqft · built 2002
Lot Size	0.184 acres (8,000 sqft)
Owner	2 Individual Names on File
Last Sale	$230,000 (Mar 2025)
Tax Bill	$1,478 (2025)
Deeds & Mortgages	Mar 2025 Sale & Mortgage Mar 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`041-03-00-039.00`

Property Details

APN / Parcel Number

Primary APN	`041-03-00-039.00`
Alternative APN	`2501`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,254 sqft Living Area

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,000 sqft (0.184 acres)
Lot Dimensions	100 ft deep x 80 ft wide
Driveway	Asphalt Driveway
Porch	Slab
Porch Area	33 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	181 WINDY CIR
City	FRANKLIN
State	KY
Zip	42134-9165
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	181 WINDY CIRCLE
Legal Subdivision	NORTH HILLS
Jurisdiction	SIMPSON KY
Township / Civil Division	FRANKLIN
Census Block Group	3
Census Block	3053
Census Tract	970200

Owner

181 Windy Cir is owned and occupied by two individuals who bought it in March 2025.

Source: Simpson County records, as of August 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	181 WINDY CIR, FRANKLIN, KY 42134-9165
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

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
Mar 12, 2025	Deed, Transfer · FHA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Mar 14, 2023	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 12, 2025 · Amount on File
Deed Sale	Mar 12, 2025 · Amount on File
Prior Sale	Mar 17, 2023 · Amount on File
Deed Document Number	20251232056
Deed Book / Page	386 / 3
Record Updated	Sep 20, 2026

March 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	SIMPSON KY
Recording Date	Mar 12, 2025
Property Address	181 WINDY CIR, FRANKLIN, KY 42134-9165
Document Number	0000D386/3
Book / Page	D386 / 3
Instrument Date	Mar 11, 2025
Instrument	1232056
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$230.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	621 VONDA VIEW BLVD, FRANKLIN, KY 42134-9646

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	181 WINDY CIR, FRANKLIN, KY 42134-9165

Mortgage

Document Number	0001232057
Date	Mar 12, 2025
Instrument	1232057

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2055

Mortgage

Document Number	00M563/654
Date	Mar 12, 2025
Book Page	M563/654
Instrument	1232058

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company
Address	FRANKFORT, KY 40601

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	121 Months
Due	Apr 1, 2035

March 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	SIMPSON KY
Recording Date	Mar 14, 2023
Property Address	181 WINDY CIR, FRANKLIN, KY 42134-9165
Document Number	00D371/191
Book / Page	D371 / 191
Map Reference	MB 4 PG 26
Instrument Date	Mar 13, 2023
Instrument	1213857
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount on Record
Tax	$169.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	323 PONTIAC WAY, BOWLING GREEN, KY 42103-1332

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	621 VONDA VIEW BLVD, FRANKLIN, KY 42134-9646

Tax Assessment & Valuation

The 2025 property tax bill for 181 Windy Cir was $1,478, down 0.9% from the year before.

Source: Simpson County assessment roll, as of February 2, 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Simpson County
Unified School District	Simpson County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,478.00 (-0.87%)	$168,525 (-)	$168,525 (-)
2024	$1,491.00 (+39.35%)	$168,525 (+46.54%)	$168,525 (+46.54%)
2023	$1,070.00	$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 181 Windy Cir in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2010.

Source: FEMA National Flood Hazard Layer, effective March 17, 2011 · 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 Policies	2 in force
Nearby Flood Claims	3 (2010–2025)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides

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 181 Windy 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	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	FRANKLIN WATER WORKS serves 31,602 people · EPA ID KY1070144
Water Source	Surface water
Last State Inspection	Jun 2023
Lead	Under 1 ppb (2023–2025) 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 99 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Franklin EPB Fiber.

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