900 State St, Bowling Green, KY 42101 Property Records

Warren County property record for 900 State St, Bowling Green, KY 42101

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	9,386 sqft · built 1837
Lot Size	0.124 acres (5,415 sqft)
Owner	Company Name on Record
Last Sale	$425,000 (Oct 2015)
Tax Bill	$1,746 (2025)
Deeds & Mortgages	Aug 2020 Line of Credit Dec 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`039A-05-017`

Property Details

APN / Parcel Number

Primary APN	`039A-05-017`
Alternative APNs	`T9858029` `295147`

Interior

Plumbing Fixtures	8 Plumbing Fixtures
Stories	3 Stories
Building Area	9,386 sqft Gross Area
Flooring	Carpet
Elevator	Elevator

Exterior

Year Built	Built 1837
Construction Type	Masonry / Concrete Block
Fire Resistance	Masonry Walls, Wood Interior
Lot Area	5,415 sqft (0.124 acres)

Location & Zoning

Account Number	T9858029
Street Address	900 STATE ST
City	BOWLING GREEN
State	KY
Zip	42101-2233
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	LOT:1
Legal Lot Number	1
Jurisdiction	WARREN KY
Township / Civil Division	BOWLING GREEN
Census Block Group	1
Census Block	1015
Census Tract	10100

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Downtown Commercial District listed 1979 · 74 contributing resources · NRIS 79003510

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	847 OLD RICHARDSVILLE RD, BOWLING GREEN, KY 42101-9608
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2020	Deed of Trust, Mortgage · Line of Credit FARMERS BANK & TRUST
Dec 30, 2019	Deed of Trust, Mortgage · Line of Credit FARMERS BANK & TRUST
Sep 20, 2019	Deed of Trust, Mortgage · Commercial Mortgage FIRST STATE BANK INC
Dec 11, 2018	Deed of Trust, Mortgage · Commercial Mortgage FIRST STATE BANK INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2015 · Amount on Record
Deed Sale	Oct 1, 2015 · Amount on Record
Deed Document Number	0001104290
Deed Book / Page	1104 / 290
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN KY
Property Address	900 STATE ST, BOWLING GREEN, KY 42101-2233
Transaction Type	Mortgage
Record Updated	Aug 14, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M3014/138
Date	Aug 4, 2020
Book Page	M3014/138
Instrument	1149075

Lender

Name	FARMERS BANK & TRUST
Type	Bank
Address	MARION, KY 42064

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	244 Months
Due	Nov 30, 2040

Interest

Rate Type	Adjustable Rate

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN KY
Property Address	900 STATE ST, BOWLING GREEN, KY 42101-2233
Transaction Type	Mortgage
Record Updated	Jan 20, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2941/042
Date	Dec 30, 2019
Book Page	M2941/042
Instrument	1122139

Lender

Name	FARMERS BANK & TRUST
Type	Bank
Address	MARION, KY 42064

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	6 Months
Due	Jun 26, 2020

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN KY
Property Address	900 STATE ST, BOWLING GREEN, KY 42101-2233
Transaction Type	Mortgage
Record Updated	Oct 4, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2913/473
Date	Sep 20, 2019
Book Page	M2913/473
Instrument	1102928

Lender

Name	FIRST STATE BANK INC
Type	Bank
Address	BOWLING GREEN, KY 42101

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN KY
Property Address	900 STATE ST, BOWLING GREEN, KY 42101-2233
Transaction Type	Mortgage
Record Updated	Jan 25, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2846/544
Date	Dec 11, 2018
Book Page	M2846/544
Instrument	983790

Lender

Name	FIRST STATE BANK INC
Type	Bank
Address	BOWLING GREEN, KY 42104

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	11 Months
Due	Nov 26, 2019

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	Bowling Green Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,746.00 (-4.49%)	$545,000 (-)	$545,000 (-)
2023	$1,828.00	$545,000	$545,000

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

Flood

Source: FEMA National Flood Hazard Layer, effective March 12, 2023 · 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 Claims	3 (1978–1984)
Most Recent Claim	May 1984 · rainfall accumulation

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

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	None beyond ember reach

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 172 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: T-Mobile, Verizon.

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