370 Ben Thomas Rd, Bowling Green, KY 42103 Property Records

Warren County property record for 370 Ben Thomas Rd, Bowling Green, KY 42103

Property Summary

Property Type	Rural Home
Details	3 bd · 2.5 ba · 2,105 sqft · built 1996
Lot Size	14 acres (609,840 sqft)
Owner	2 Individual Names on File
Last Sale	$13,738 (Jul 2022)
Tax Bill	$1,409 (2025)
Deeds & Mortgages	May 2026 Construction Loan Sep 2025 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`074A-05C`

Property Details

APN / Parcel Number

Primary APN	`074A-05C`
Alternative APNs	`P0909607` `283875`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,105 sqft Living Area
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	609,840 sqft (14 acres)
Terrain	Rolling
View / Lot	Flood Plain/Flood Zone
Garage Type	Attached
Garage Area	483 sqft
Driveway	Asphalt Driveway
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	188 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	370 BEN THOMAS RD
City	BOWLING GREEN
State	KY
Zip	42103-8615
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Subdivision	CONSISTING OF 3
Jurisdiction	WARREN KY
Township / Civil Division	SMITHS GROVE
Census Block Group	3
Census Block	3039
Census Tract	11600

Owner

370 Ben Thomas Rd, a rural home, is owned and occupied by two individuals who bought it in July 2022.

Source: Warren County records, as of August 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	370 BEN THOMAS RD, BOWLING GREEN, KY 42103-8615
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, 2026	Deed of Trust, Mortgage · Construction Mortgage LIBERTY FEDERAL CREDIT UNION
Sep 23, 2025	Deed of Trust, Mortgage · Line of Credit SOUTH CENTRAL BANK
Sep 14, 2023	Deed of Trust, Mortgage · Line of Credit SOUTH CENTRAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 2022 · Amount on File
Deed Sale	Jul 11, 2022 · Amount on File
Deed Document Number	20221958906
Deed Book / Page	1262 / 53
Prior Transfer Date	Jul 3, 2022
Prior Transfer Doc	0001958906
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN KY
Recording Date	May 8, 2026
Property Address	370 BEN THOMAS RD, BOWLING GREEN, KY 42103-8615
Document Number	0002167498
Book / Page	3644 / 503
Instrument Date	Apr 20, 2026
Instrument	20262167498
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002167498,
Date	May 8, 2026
Book Page	3644/503
Instrument	20262167498

Lender

Name	LIBERTY FEDERAL CREDIT UNION

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	372 Months
Due	May 1, 2057

Interest

Rate	6.22%
Max Rate	-1%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN KY
Property Address	370 BEN THOMAS RD, BOWLING GREEN, KY 42103-9554
Transaction Type	Mortgage
Record Updated	Oct 8, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	370 BEN THOMAS RD, BOWLING GREEN, KY 42103-9554

Mortgage

Document Number	0M3582/867
Date	Sep 23, 2025
Book Page	M3582/867
Instrument	2126904

Lender

Name	SOUTH CENTRAL BANK
Type	Bank
Address	GLASGOW, KY 42142

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	121 Months
Due	Oct 20, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN KY
Property Address	370 BEN THOMAS RD, BOWLING GREEN, KY 42103-9554
Transaction Type	Mortgage
Record Updated	Oct 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	370 BEN THOMAS RD, BOWLING GREEN, KY 42103-9554

Mortgage

Document Number	0M3406/136
Date	Sep 14, 2023
Book Page	M3406/136
Instrument	2017739

Lender

Name	SOUTH CENTRAL BANK
Type	Bank
Address	GLASGOW, KY 42142

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Sep 20, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 370 Ben Thomas Rd was $1,409.

Source: Warren County assessment roll, as of August 25, 2026

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	$1,409.00	$255,000	$255,000
2023	$1,457.00 Homeowner's exemption	$210,478	$210,478

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

Flood

FEMA maps place 370 Ben Thomas 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

Wildfire risk around 370 Ben Thomas 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.

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 1 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

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