Warren County property record for 185 Rays Branch Rd, Bowling Green, KY 42101
| Property Type | Single Family Home |
|---|---|
| Lot Size | 2.02 acres (87,991 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $169,900 (Apr 2019) |
| Tax Bill | $1,481 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage Apr 2019 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 037A-16B |
| Primary APN | 037A-16B |
|---|---|
| Alternative APNs |
|
| Lot Area | 87,991 sqft (2.02 acres) |
|---|
| Street Address | 185 RAYS BRANCH RD |
|---|---|
| City | BOWLING GREEN |
| State | KY |
| Zip | 42101-8901 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Jurisdiction | WARREN KY |
| Township / Civil Division | SAND HILL-GIRKIN |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 11701 |
185 Rays Branch Rd is owned and occupied by two individuals who bought it in April 2019.
Source: Warren County records, as of December 9, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 185 RAYS BRANCH RD, BOWLING GREEN, KY 42101-8901 |
| 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.
| Date | Document |
|---|---|
| Feb 2, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Apr 30, 2019 | Warranty Deed, Transfer BRIDGE TRUST TITLE GROUP |
| Apr 30, 2019 | Deed, Transfer · FHA Mortgage STOCKTON MORTGAGE CORP |
| Jun 6, 2017 | Deed, Transfer · VA Mortgage CENTURY LENDING CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 30, 2019 · Amount on File |
| Deed Sale | Apr 30, 2019 · Amount on File |
| Prior Sale | Apr 30, 2019 · Amount on File |
| Deed Document Number | 20191089198 |
| Deed Book / Page | 1183 / 398 |
| Prior Transfer Date | Aug 19, 2016 |
| Prior Transfer Doc | 0D1124/430 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARREN KY |
| Property Address | 185 RAYS BRANCH RD, BOWLING GREEN, KY 42101-8901 |
| Transaction Type | Mortgage |
| Record Updated | Feb 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0M3247/550 |
|---|---|
| Date | Feb 2, 2022 |
| Book Page | M3247/550 |
| Instrument | 1937333 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WARREN KY |
| Recording Date | Apr 30, 2019 |
| Property Address | 185 RAYS BRANCH RD, BOWLING GREEN, KY 42101-8901 |
| Document Number | 0D1183/394 |
| Book / Page | D1183 / 394 |
| Instrument Date | Apr 26, 2019 |
| Instrument | 1089197 |
| Transaction Type | Transfer |
| Record Updated | Dec 24, 2021 |
| Title Company | BRIDGE TRUST TITLE GROUP |
| Amount | Amount on Record |
|---|---|
| Tax | $170.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 185 RAYS BRANCH RD, 185, BOWLING GREEN, KY 42101-8901 |
| Name | Verified Name |
|---|---|
| Address | 40 DANBURY RD # 101, 101, WILTON, CT 06897-4441 |
| Investor | Possibly a Property Investor |
| Document Type | Deed |
|---|---|
| Jurisdiction | WARREN KY |
| Recording Date | Apr 30, 2019 |
| Property Address | 185 RAYS BRANCH RD, BOWLING GREEN, KY 42101-8901 |
| Document Number | 0D1183/398 |
| Book / Page | D1183 / 398 |
| Instrument Date | Apr 26, 2019 |
| Instrument | 1089198 |
| Transaction Type | Transfer |
| Record Updated | Dec 24, 2021 |
| Title Company | BRIDGE TRUST TITLE GROUP |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $170.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 40 DANBURY RD # 101, 40, WILTON, CT 06897-4441 |
| Name | Verified Name |
|---|---|
| Address | 185 RAYS BRANCH RD, BOWLING GREEN, KY 42101-8901 |
| Document Number | 0001089199 |
|---|---|
| Date | Apr 30, 2019 |
| Instrument | 1089199 |
| Name | STOCKTON MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WARREN KY |
| Recording Date | Jun 6, 2017 |
| Property Address | 185 RAYS BRANCH RD, BOWLING GREEN, KY 42101-8901 |
| Document Number | 0D1140/920 |
| Book / Page | D1140 / 920 |
| Instrument Date | Jun 5, 2017 |
| Instrument | 939604 |
| Transaction Type | Transfer |
| Record Updated | Dec 24, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $159.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2205 KINSER, 2205, ROUNDHILL, KY 42275 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 185 RAYS BRANCH RD, BOWLING GREEN, KY 42101-8901 |
| Document Number | 0000939605 |
|---|---|
| Date | Jun 6, 2017 |
| Instrument | 939605 |
| Name | CENTURY LENDING CO |
|---|---|
| Type | Lending Institution |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2047 |
The 2025 property tax bill for 185 Rays Branch Rd was $1,481.
Source: Warren County assessment roll, as of December 9, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Warren County |
| Unified School District | Warren County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,481.00 | $169,900 | $169,900 |
| 2023 | $1,506.00 | $169,900 | $169,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 185 Rays Branch Rd 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 risk around 185 Rays Branch Rd 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 9 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 | 1,000 / 1,000 |
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