189 Windy Cir, Franklin, KY 42134 Property Records

Simpson County property record for 189 Windy Cir, Franklin, KY 42134

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,232 sqft · built 2002
Lot Size	0.176 acres (7,700 sqft)
Owner	Company Name on File
Last Sale	$185,000 (May 2022)
Tax Bill	$1,623 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`041-03-00-035.00`

Property Details

APN / Parcel Number

Primary APN	`041-03-00-035.00`
Alternative APN	`4667`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,232 sqft Living Area

Exterior

Year Built	Built 2002
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,700 sqft (0.176 acres)
Lot Dimensions	100 ft deep x 77 ft wide
Porch	Porch
Porch Area	48 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	189 WINDY CIR
City	FRANKLIN
State	KY
Zip	42134-9165
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	189 WINDY CIRCLE
Jurisdiction	SIMPSON KY
Township / Civil Division	FRANKLIN
Census Block Group	3
Census Block	3053
Census Tract	970200

Owner

189 Windy Cir is owned by a company that bought it in May 2022.

Source: Simpson County records, as of January 30, 2026

Owner of Record	Company Name on File
Mailing Address	PO BOX 899, BANDON, OR 97411-0899
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
Apr 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage FRANKLIN BANK & TRUST CO
Mar 20, 2020	Deed, Transfer · Conventional Mortgage ABOUND FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 2, 2022 · Amount on File
Deed Sale	May 2, 2022 · Amount on File
Prior Sale	Mar 20, 2020 · Amount on File
Deed Document Number	1208424
Deed Book / Page	D365 / 186
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SIMPSON KY
Property Address	189 WINDY CIR, FRANKLIN, KY 42134-9165
Transaction Type	Mortgage
Record Updated	Apr 26, 2022
Title Company	FOREMAN WATSON LAND TITLE LLC, FOREMAN WATSON LAND TTL LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M515/650
Date	Apr 7, 2022
Book Page	M515/650
Instrument	1208025

Lender

Name	FRANKLIN BANK & TRUST CO
Type	Bank
Address	FRANKLIN, KY 42134

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	12 Months
Due	Apr 15, 2023

March 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	SIMPSON KY
Recording Date	Mar 20, 2020
Property Address	189 WINDY CIR, FRANKLIN, KY 42134-9165
Document Number	00D347/281
Book / Page	D347 / 281
Map Reference	MB 4 PG 26
Instrument Date	Mar 17, 2020
Instrument	1195964
Transaction Type	Transfer
Record Updated	Dec 14, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$123.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8605 CYPRESS DR, 8605, FRANKLIN, KY 42134

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	189 WINDY CIR, FRANKLIN, KY 42134-9165

Mortgage

Document Number	0001195965
Date	Mar 20, 2020
Instrument	1195965

Lender

Name	ABOUND FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 189 Windy Cir was $1,623.

Source: Simpson County assessment roll, as of October 15, 2025

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	$1,623.00	$185,000	$185,000
2023	$1,722.00	$185,000	$185,000

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

Flood

FEMA maps place 189 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 189 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 97 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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